StubRate · Take-home calculator · Tennessee
Take-home pay in Tennessee
Estimate what a salary in Tennessee (TN) becomes after federal tax, no state wage income tax, FICA, typical benefits, and optional commute costs.
Tennessee does not tax W-2 wages. StubRate’s state line is $0. Federal tax and FICA still reduce every paycheck. That is the usual reason a Nashville offer keeps more than the same gross in Kentucky or North Carolina—before rent.
Use this page for music, healthcare, auto, and logistics jobs across the four big metros.
Sample: $85,000 single filer in Tennessee → about $5,307/mo net (74.9% stub rate) and $5,130/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Tennessee
No wage income tax is the headline. (Old Hall tax on investment income is not this calculator.) Sales tax is relatively high and hits spending, not withholding.
If you live in Tennessee and work in Virginia or Georgia, those states may still tax the work. This page assumes Tennessee is home and work.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Tennessee’s difference is the state line.
Sample take-home by salary in Tennessee
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,222 | $38,664 | 77.3% | $0 |
| $75,000 | $4,753 | $57,042 | 76.1% | $0 |
| $100,000 | $6,138 | $73,654 | 73.7% | $0 |
| $125,000 | $7,522 | $90,267 | 72.2% | $0 |
| $150,000 | $8,869 | $106,430 | 71.0% | $0 |
Living and commuting in Tennessee
Nashville housing has risen fast. Memphis, Knoxville, and Chattanooga are different. Car commutes and I-24 or I-40 time are job costs. Downtown parking in Nashville is not free.
A five-day Music Row or downtown hospital schedule should include lunches and parking, not just the $0 state tax.
Common job markets on this page: Nashville, Memphis, Knoxville, Chattanooga, Clarksville. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Tennessee and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Tennessee take-home
Tennessee take-home questions
Does Tennessee have state income tax?
No. Tennessee does not levy a traditional wage income tax. Federal income tax and FICA still apply. StubRate’s state line is $0 for this page.
What is take-home pay on $85,000 in Tennessee?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $5,307/month net before extra job costs, or roughly $5,130/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Tennessee?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $6,138/month, or 73.7% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Tennessee calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.