Free Tennessee Hourly Paycheck Calculator 2025 – Easily Estimate Take-Home Pay

The Tennessee Hourly Paycheck Calculator helps workers and employers in Tennessee quickly estimate their net take-home pay after taxes and deductions. By entering your hourly rate, hours worked, and deductions, this calculator shows exactly how much of your paycheck you’ll receive after federal taxes, FICA (Social Security and Medicare), and other deductions.

Since Tennessee has no state income tax, this calculator focuses on federal withholdings and personal deductions, making it ideal for hourly employees, part-time workers, or contractors who want to understand their earnings. It’s a simple and reliable tool to help you plan budgets, verify payroll, and forecast your income.

The simplest way to track your real salary is by visiting the City Paycheck Calculator.

How the Tennessee Hourly Paycheck Calculator Works

This calculator estimates your net (after-tax) pay by starting with your gross pay (total earnings before taxes) and subtracting all applicable federal taxes and deductions. If you’re paid every two weeks, the California Biweekly Calculator gives a clear breakdown of net earnings.

Core Formula

Net Pay = (Regular Pay + Overtime Pay) − (Federal Tax + FICA + Pre-Tax Deductions + Post-Tax Deductions)

Each field on the calculator plays an important role in determining your take-home pay. Here’s how they work:

Input Field Descriptions

1. Hourly Rate ($)

Enter your hourly wage before taxes. For example, if you earn $20 per hour, input “20.”

2. Hours Worked

Enter the total number of regular hours you worked in a pay period. Most full-time employees work 40 hours per week.

3. Overtime Hours

If you worked overtime, enter the number of overtime hours. The calculator applies the standard 1.5x overtime rate (time-and-a-half) to your base pay automatically. Those contributing to retirement funds often rely on the California 401k Paycheck Calculator for more accurate after-tax results.

4. Filing Status

Choose your federal tax filing status — Single, Married, or Head of Household. This determines your federal income tax withholding rate.

5. Pay Frequency

Select how often you’re paid — weekly, biweekly, semi-monthly, or monthly. The calculator adjusts the tax and deduction calculations accordingly.

6. Pre-Tax Deductions ($)

These deductions are subtracted before taxes are applied, reducing your taxable income. Common pre-tax deductions include:

• 401(k) or 403(b) retirement contributions
• Health, dental, or vision insurance premiums
• Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA)

7. Post-Tax Deductions ($)

Enter deductions taken out after taxes are applied, such as:

• Union dues
• Garnishments
• Charitable payroll deductions

The calculator combines all of this information to give you a clear, accurate estimate of your take-home pay. Workers with overtime hours can compare their pay using the California Overtime Calculator to see total take-home pay.

Example Calculation (Verification Section)

Let’s look at an example to see how the Tennessee Hourly Paycheck Calculator works in practice.

Example Inputs

• Hourly Rate: $20
• Hours Worked: 40
• Overtime Hours: 5
• Filing Status: Single
• Pay Frequency: Weekly
• Pre-Tax Deductions: $50 (401k contribution)
• Post-Tax Deductions: $20 (union dues)

Step 1: Calculate Regular and Overtime Pay

Regular Pay = $20 × 40 = $800
Overtime Pay = $20 × 1.5 × 5 = $150
Total Gross Pay = $950

Step 2: Subtract Pre-Tax Deductions

$950 − $50 = $900 taxable income

Step 3: Apply Federal Taxes

• Federal Income Tax (approx. 12%) = $108
• Social Security (6.2%) = $55.80
• Medicare (1.45%) = $13.05

Total Federal Taxes = $176.85

Step 4: Subtract Post-Tax Deductions

$900 − $176.85 − $20 = $703.15

Result

Your weekly take-home pay is $703.15, which equals approximately $36,763.80 per year if you work year-round.

This result helps you verify that your paycheck aligns with federal tax laws and personal deductions. Since Tennessee does not withhold income tax, your federal and FICA withholdings account for most of the difference between gross and net pay. Before payday, many people use the Texas Paycheck Calculator to estimate their net salary after deductions.

Benefits of Using This Calculator

• Accurate and Up-to-Date: Reflects the latest IRS and FICA tax rates.
• State-Specific: Tailored for Tennessee’s no-income-tax structure.
• Simple and Fast: Get results in seconds without complex calculations.
• Customizable: Adjust for different deductions, overtime, and pay frequencies.
• Perfect for Budgeting: Helps employees and freelancers understand their take-home pay before payday.

Tips and Common Mistakes

Helpful Tips

• Always enter gross pay before deductions for the most accurate estimate.
• Include all pre-tax contributions (like 401k or health insurance) to see your true taxable income.
• Use the calculator whenever your hourly rate, hours, or deductions change.
• Compare different pay frequencies to understand cash flow better (weekly vs. biweekly).

Common Mistakes

• Forgetting to include overtime hours, which can lead to underestimating your pay.
• Mixing up pre-tax and post-tax deductions.
• Entering net pay instead of gross pay.
• Using the wrong filing status — Single vs. Married changes your tax bracket significantly.

Common Questions / FAQs

1. Does Tennessee have a state income tax?
No. Tennessee does not collect a state income tax on wages or salaries, which means your paycheck only includes federal tax and FICA deductions.

2. What taxes are taken from my Tennessee paycheck?
You’ll see deductions for:

• Federal income tax
• Social Security tax (6.2%)
• Medicare tax (1.45%)
• Any voluntary pre- or post-tax deductions you choose

3. How does overtime pay affect my paycheck?
Overtime hours are paid at 1.5 times your hourly rate, increasing your gross pay — and, therefore, slightly increasing your tax withholdings.

4. Can this calculator be used for part-time or gig workers?
Yes. As long as you know your hourly rate and hours worked, you can calculate your estimated take-home pay accurately. If you’re paid twice a month, the Texas Biweekly Calculator provides an accurate breakdown of your paycheck.

5. Why is my real paycheck slightly different?
Differences can occur due to specific employer benefits, rounding, or voluntary deductions not included in this calculator (like life insurance or child support).

Conclusion

The Tennessee Hourly Paycheck Calculator is a powerful yet simple tool that helps hourly workers, freelancers, and employers estimate net pay with precision. Because Tennessee has no state income tax, your main deductions come from federal withholdings, Social Security, and Medicare.