Tennessee Income Tax Calculator
Calculate your Tennessee (TN) state income tax for 2026. Get an instant estimate based on official TN tax brackets.
Your Tennessee Tax Estimate
Tennessee Tax Brackets for 2026
Tennessee has NO state income tax. Residents pay only federal income tax. This is one of nine US states with no state income tax.
Tax brackets are estimates for 2026. Actual brackets may vary slightly due to inflation adjustments. Check the official Tennessee Department of Revenue for the most current rates.
How Tennessee Income Tax Works
Tennessee is one of nine US states with no state income tax. Residents only pay federal income tax (to the IRS) and FICA (Social Security + Medicare). Tennessee makes up for the lack of state income tax through higher sales tax, property tax, or revenue from natural resources (especially in Tennessee's case).
When you earn income in Tennessee, your employer withholds both federal income tax (sent to the IRS) and TN state tax (sent to the Tennessee Department of Revenue). At tax time, you file two separate returns: one federal (Form 1040) and one TN state return.
Since Tennessee has no state income tax, you only file a federal return (Form 1040). You don't need to file a Tennessee state return. Some Tennessee cities may have local income taxes — check with your city or county for details.
Example: Tennessee Tax on $75,000
A single Tennessee resident earning $75,000 in 2026 would pay approximately:
- Federal tax: ~$10,500 (24% marginal bracket, after deductions)
- TN state tax: $0 (calculated using the brackets above)
- FICA (Social Security + Medicare): $5,738 (7.65% on first $168,600)
- Total annual tax burden: ~$16,200
- Effective tax rate: 21.6% (federal only)
Use the calculator above to get your personalized estimate. Adjust the income to see how raises, bonuses, or side income affect your TN tax.
Frequently Asked Questions
What is the Tennessee state income tax rate for 2026?
Tennessee has NO state income tax. The top marginal rate is 0%.
Does Tennessee have a state income tax?
No, Tennessee does NOT have a state income tax. It is one of nine US states with zero state income tax (the others are Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, and Wyoming).
How do I file Tennessee state taxes?
You file Tennessee state taxes separately from your federal return. Most residents use state tax software, an accountant, or file directly with the Tennessee Department of Revenue. The state return is due April 15 (or April 30 for some states) — same as federal.
What deductions does Tennessee allow?
Tennessee allows the standard deduction (set by the state, not always the same as federal). Most states also allow itemized deductions, retirement income exclusions, and no state-specific deductions are needed since Tennessee has no state income tax.
Is Tennessee tax-friendly for retirees?
Yes, Tennessee is one of the most tax-friendly states for retirees. There is no state income tax on any income source, including retirement benefits, Social Security, pensions, and 401(k)/IRA withdrawals. Property and sales taxes are the main tax considerations.