Tennessee has no state income tax. Use the tax refund estimator with Tennessee tax rates to see your exact after-tax numbers.
Open Tax Refund Estimator →Estimating your tax refund in Tennessee is simpler than in most states because you only have a federal return to consider. There is no state refund or state balance due to worry about. Your refund is the difference between what was withheld from your paychecks all year and your actual federal liability. Common reasons for a large refund include over-withholding on your W-4 or qualifying for credits like the Earned Income Tax Credit. This estimator calculates your expected federal refund based on Tennessee take-home figures.
Tennessee is one of nine states with no personal income tax. Residents keep every dollar of earnings from state-level taxation, though the state generates revenue through other means such as sales taxes, property taxes, and in some cases severance taxes on natural resources. The zero-income-tax policy makes Tennessee particularly attractive for high earners, remote workers, and retirees seeking to maximize their after-tax income.
The table below shows what you actually keep at five salary levels in Tennessee, accounting for federal tax, FICA, and zero state income tax.
See how Tennessee compares to other South states. Each link takes you to the tax refund estimator landing page for that state.
For a comprehensive breakdown of Tennessee’s tax structure, salary comparisons, cost-of-living analysis, and more, visit the full Tennessee take-home pay page.