Last updated: 2025 BLS data · Page refreshed:
How much does a Bookkeeping, Accounting, and Auditing Clerks actually take home in Tennessee?
No state income tax — 15.5% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Bookkeeping, Accounting, and Auditing Clerks earning $48,180 in Tennessee (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $48,180 | — |
| Federal Income Tax | -$3,797 | 7.9% |
| Tennessee State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$2,987 | 6.2% |
| Medicare | -$698 | 1.5% |
| Total Taxes | -$7,483 | 15.5% |
| Take-Home Pay | $40,696 | 84.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Bookkeeping, Accounting, and Auditing Clerks in Tennessee.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $35,000 | -$4,893 | $30,106 | 14.0% |
| 25th Percentile (P25) | $40,330 | -$5,940 | $34,389 | 14.7% |
| Median (P50) | $48,180 | -$7,483 | $40,696 | 15.5% |
| 75th Percentile (P75) | $58,460 | -$9,503 | $48,956 | 16.3% |
| 90th Percentile (P90) | $67,730 | -$11,922 | $55,807 | 17.6% |
Tennessee has no state income tax, which means a Bookkeeping, Accounting, and Auditing Clerks keeps $40,696 of their $48,180 salary — 84.5% of gross pay. Only federal income tax and FICA reduce the paycheck, making Tennessee one of the most tax-friendly states for this occupation.
A Bookkeeping, Accounting, and Auditing Clerks in Tennessee faces an effective total tax rate of only 15.5%, keeping 84.5% of every gross dollar. That leaves $40,697 net out of $48,180 gross — a favorable outcome compared to states with combined rates above 30%.
Tennessee is one of the few states with zero state income tax for wage earners. For a Bookkeeping, Accounting, and Auditing Clerks, that means the only deductions are federal income tax and FICA — no additional state withholding. This typically adds several thousand dollars per year compared to comparable states with income tax.
Federal tax on this Bookkeeping, Accounting, and Auditing Clerks salary is $3,798 (51%), but combined state ($0, 0%) + FICA ($3,686, 49%) make up the other 49% of the bill.
Tennessee ranks #23 of 51 states for Bookkeeping, Accounting, and Auditing Clerks after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $40,697 net/year works out to $3,391/month or $1,565/bi-weekly for this Bookkeeping, Accounting, and Auditing Clerks in Tennessee — the numbers that actually hit a checking account after every deduction.
Where does a Bookkeeping, Accounting, and Auditing Clerks keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Tennessee ranks #23 out of 51 states for Bookkeeping, Accounting, and Auditing Clerks after-tax take-home pay.
A Bookkeeping, Accounting, and Auditing Clerks in Tennessee earning a median salary of $48,180 will take home approximately $40,696 per year after federal income tax ($3,797), state income tax ($0), and FICA ($3,685). That is $3,391 per month or $1,565 per bi-weekly paycheck.
The effective total tax rate for a Bookkeeping, Accounting, and Auditing Clerks in Tennessee is 15.5%, broken down as: federal income tax 7.9%, Tennessee state tax 0.0%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
No, Tennessee does not levy a state income tax on wages. This means a Bookkeeping, Accounting, and Auditing Clerks in Tennessee only pays federal income tax and FICA taxes, resulting in a lower overall tax burden compared to most other states. The total effective rate is 15.5%.
After all taxes, a Bookkeeping, Accounting, and Auditing Clerks in Tennessee takes home approximately $3,391 per month, or about $19.57 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $48,180 for Bookkeeping, Accounting, and Auditing Clerks in Tennessee, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Tennessee state income tax (no state income tax), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $40,696/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR