Tennessee Income Tax Calculator, Rates and Brackets

Estimate how much federal and Tennessee state income tax you will owe for 2026.

Use our Tennessee income tax calculator to estimate your 2026 state income tax, compare Tennessee and federal tax results, and review the state's current income tax rates and brackets. For 2026, Tennessee does not impose a personal income tax on wages, salaries, retirement income, or other individual income. Enter your household income, filing status, dependents, deductions, and credits to see how living in a no income tax state affects your state and federal income taxes.

2026 Tennessee Income Tax Calculator

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You:
Tax MetricTennesseeFederal
Household Income$80,000$80,000
(-) Other Income Deductions $0$0
Adjusted Gross Income$0$80,000
(-) Standard Deduction$0$16,100
(-) Age/Blind Deduction$0$0
Taxable Income$0$63,900
Tax Before Credits$0$8,770
(-) Personal Credit$0$0
(-) Child Tax Credit$0$0
(-) Additional Child Tax Credit$0$0
(-) Earned Income Credit $0$0
Estimated Income Tax$0$8,770
Effective Tax Rate0.00%10.96%
Marginal Tax Rate0.00%22.00%

Tennessee and Federal Calculation Assumptions

Income

  • This calculator assumes you are a Tennessee resident for the full 2026 tax year. Partial-year resident and nonresident income allocation rules are not included.
  • We treat household income as earned wage income. We do not separately calculate self-employment income, investment income, retirement income, capital gains, or other special income categories that require different tax treatment.
  • The Other Income Deductions field under Advanced Options reduces federal adjusted gross income. See the input field tooltip for more details.

Deductions

  • The calculator compares itemized deductions with the standard deduction separately, then uses the larger allowed amount for federal tax.
  • Age 65+ and blindness selections increase the standard deduction amount when applicable.
  • The federal enhanced senior deduction is calculated separately and may still apply when itemizing.
  • Itemized deduction inputs mirror the categories reported on Form 1040 Schedule A. Use prior-year amounts as a starting point and adjust for expected changes.
  • The federal calculation applies the 2026 SALT limit and its income-based phaseout before adding deductible interest and other itemized deductions.
  • Qualified tips, overtime pay, car loan interest, and the enhanced senior deduction are treated as federal deductions after adjusted gross income.

Credits

  • We estimate the federal Child Tax Credit (CTC) and Additional Child Tax Credit (ACTC) for dependent children under age 17.
  • We estimate the federal Earned Income Tax Credit (EITC) only when at least one dependent child under age 17 is entered. The estimate does not include the childless EITC or qualifying children who are older students or permanently disabled.
  • We do not calculate the Saver's Credit, education credits, premium tax credits, or other federal credits.

Taxes Not Included

  • Tennessee individual income tax is estimated at $0 because the state does not impose a personal income tax.
  • Tennessee's former Hall income tax on certain interest and dividend income has been repealed, so no Hall income tax calculation is included for 2026.
  • Tennessee does not impose a statewide local income tax, so no local income tax calculation is included here.
  • The estimate does not include self-employment tax, federal alternative minimum tax, capital gains tax, use tax, or every federal deduction and credit.

Actual results may vary based on your income type, additional deduction and credit limits, filing complexity, and continued changes in Tennessee or federal tax law. This calculator provides an estimate for general planning purposes and does not guarantee your final tax due or refund amount.

How the Tennessee Income Tax Calculator Works

The Tennessee income tax calculator shows each major step from household income to estimated tax. The results compare Tennessee and federal income taxes. The Tennessee column remains at $0, while the federal column applies federal standard or itemized deductions, tax credits, and deductions created by the One Big Beautiful Bill Act (OBBBA).

The final three rows summarize your Tennessee results:

  • Estimated Income Tax: Your Tennessee income tax estimate for the year.
  • Effective Tax Rate: Tennessee income tax as a percentage of household income.
  • Marginal Tax Rate: The Tennessee tax rate applied to your next dollar of taxable income.

Change any calculator input to see how it affects the federal results. The Tennessee column remains at $0 because Tennessee does not impose a personal income tax.

Tennessee Income Tax

Tennessee does not impose an individual state income tax for the 2026 tax year. The Tennessee income tax rate is 0%, and residents do not move through state income tax brackets as income increases. Filing status does not change the Tennessee result: Single, Married Filing Jointly, Married Filing Separately, and Head of Household filers all have an estimated Tennessee individual income tax of $0.

Because Tennessee has no individual income tax, the state does not use personal exemptions, standard deductions, itemized deductions, or state income tax credits for individual income tax purposes. Federal income tax rates still apply, so income that is not taxed by Tennessee may still be taxable on your federal return.

Tennessee Hall Income Tax and Investment Income

Tennessee previously imposed the Hall income tax on certain interest and dividend income, but that tax has been repealed for tax periods beginning on January 1, 2021 or later. For 2026, Tennessee does not tax wages, retirement income, interest, dividends, capital gains, or other individual income through a state individual income tax.

Tennessee Income Tax Takeaways

Tennessee has no individual income tax: Residents do not owe Tennessee personal income tax on wages or other individual income for 2026.

Tennessee has no individual income tax brackets: The state result is $0 at every income level and for every federal filing status.

Federal taxes still apply: Tennessee residency does not eliminate federal income tax, federal payroll tax, or other federal tax obligations.

The Hall income tax has been repealed: Tennessee no longer imposes its former tax on certain interest and dividend income.

Tennessee vs Neighboring States

StateTax YearTax RateRate Type
Tennessee2026NoneNo Individual Income Tax
Alabama20252.00% - 5.00%Progressive
Georgia20264.99%Flat
Kentucky20263.50%Flat
Mississippi20264.00%Flat
North Carolina20263.99%Flat
Virginia20252.00% - 5.75%Progressive
State Individual Income Tax Rate Comparison: These are statutory rates, not effective rates or estimates for identical households. Brackets, deductions, exemptions, and credits vary by state.

Frequently Asked Questions (FAQ)

What is the Tennessee income tax rate for 2026?

The Tennessee individual income tax rate is 0% because Tennessee does not impose an individual state income tax.

Does Tennessee have income tax brackets?

No. Tennessee does not have individual income tax brackets because it does not impose an individual state income tax. Describing Tennessee as having a single 0% bracket would be misleading.

Do Tennessee residents file a state income tax return?

Tennessee residents generally do not file a Tennessee individual income tax return because the state does not impose an individual income tax. Residents may still need to file a federal income tax return.

Does Tennessee tax interest and dividends?

No. Tennessee's former Hall income tax on certain interest and dividend income has been repealed for tax periods beginning on January 1, 2021 or later. Interest and dividend income may still be taxable for federal income tax purposes.

Does Tennessee tax retirement income?

No. Tennessee does not impose an individual state income tax on pensions, distributions from retirement accounts, or Social Security benefits. Federal tax treatment depends on the type and amount of retirement income.

Income Tax Rates

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Last updated: July 7, 2026