Tennessee Income Tax Calculator 2026
See your Tennessee take-home pay and effective tax rate in 60 seconds.
Estimate only. Uses 2026 federal figures, Tennesseestate figures (see sources below), and a standard-deduction federal calculation. Filing status “Head of household” uses the single column for Tennessee. Your actual tax depends on credits, additional income, and adjustments.
Worked example: A single filer earning $85,000 in Tennessee
A Tennessee resident earning $85,000 pays $0 in state income tax, because Tennessee has no state income tax. The only mandatory withholdings are federal income tax and FICA, both shown in the calculator above.
Assumes a single filer taking the standard treatment. Figures are educational estimates.
How Tennessee taxes income
Tennessee is one of the states with no broad personal income tax. Wages earned by Tennessee residents are not taxed at the state level — only federal income tax and FICA (Social Security and Medicare) apply.
Because there is no state income tax to calculate, the figure that matters most for Tennessee workers is take-home pay after federal taxes. Tennessee typically relies on sales and property taxes instead of an income tax to fund state services.
2026 rate structure
Tennessee does not levy a state income tax on wage income.
Retirement income & Social Security
Tennessee has no state income tax, so retirement income — pensions, 401(k) and IRA distributions, and Social Security — is not taxed at the state level.
Local taxes & reciprocity
Tennessee has no state or local income tax on wages.
Reciprocity: Tennessee has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid double taxation.
Notable deductions, credits & other taxes
Deductions & credits
- No state income tax — no state-level income deductions or credits apply to wage income
Capital gains: Tennessee has no state income tax, so capital gains are not taxed at the state level (federal capital gains tax still applies).
Property tax: Property taxes in Tennessee are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Tennessee Department of Revenue for local rates.
Tennessee vs. neighboring states
Tennessee's lack of an income tax is a meaningful advantage over neighbors that do tax wages. Workers near the border with Alabama, Arkansas, Georgia sometimes weigh where they live and work because of it. Keep in mind that no-income-tax states often have higher sales or property taxes to compensate.
Tennessee state tax FAQs
What is the Tennessee state income tax rate for 2026?
Tennessee has no state income tax. Wages are not taxed at the state level — only federal income tax and FICA apply.
Does Tennessee tax retirement income or Social Security?
No. Tennessee has no state income tax, so neither retirement income nor Social Security benefits are taxed at the state level.
How are capital gains taxed in Tennessee?
Tennessee has no state income tax, so capital gains are not taxed at the state level (federal capital gains tax still applies).
Is there a local or city income tax in Tennessee?
Tennessee has no state or local income tax on wages.
If I live in Tennessee but work in another state, do I owe income tax?
You owe no income tax to Tennessee (it has none), but you may owe income tax to the state where you actually work. You would typically file a non-resident return in that work state.
Sources & verification
Last verified June 12, 2026.