Last updated: 2025 BLS data · Page refreshed:
How much does a Captains, Mates, and Pilots of Water Vessels actually take home in Tennessee?
No state income tax — 23.8% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Captains, Mates, and Pilots of Water Vessels earning $132,710 in Tennessee (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $132,710 | — |
| Federal Income Tax | -$21,388 | 16.1% |
| Tennessee State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$8,228 | 6.2% |
| Medicare | -$1,924 | 1.5% |
| Total Taxes | -$31,541 | 23.8% |
| Take-Home Pay | $101,168 | 76.2% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Captains, Mates, and Pilots of Water Vessels in Tennessee.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $60,270 | -$9,859 | $50,410 | 16.4% |
| 25th Percentile (P25) | $76,420 | -$14,499 | $61,920 | 19.0% |
| Median (P50) | $132,710 | -$31,541 | $101,168 | 23.8% |
| 75th Percentile (P75) | $165,700 | -$41,982 | $123,717 | 25.3% |
| 90th Percentile (P90) | $215,470 | -$55,681 | $159,788 | 25.8% |
Tennessee has no state income tax, which means a Captains, Mates, and Pilots of Water Vessels keeps $101,168 of their $132,710 salary — 76.2% of gross pay. Only federal income tax and FICA reduce the paycheck, making Tennessee one of the most tax-friendly states for this occupation.
With an effective total rate of 23.8%, a Captains, Mates, and Pilots of Water Vessels in Tennessee keeps $101,169 of $132,710 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Tennessee is one of the few states with zero state income tax for wage earners. For a Captains, Mates, and Pilots of Water Vessels, 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 income tax ($21,389) accounts for 68% of the total tax bill — the single largest deduction. FICA adds $10,152 (32%), and state tax the remaining $0 (0%).
For Captains, Mates, and Pilots of Water Vessels after-tax pay, Tennessee ranks #1 of 38 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $101,169 net/year works out to $8,431/month or $3,891/bi-weekly for this Captains, Mates, and Pilots of Water Vessels in Tennessee — the numbers that actually hit a checking account after every deduction.
Where does a Captains, Mates, and Pilots of Water Vessels keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Tennessee ranks #1 out of 38 states for Captains, Mates, and Pilots of Water Vessels after-tax take-home pay.
A Captains, Mates, and Pilots of Water Vessels in Tennessee earning a median salary of $132,710 will take home approximately $101,168 per year after federal income tax ($21,388), state income tax ($0), and FICA ($10,152). That is $8,430 per month or $3,891 per bi-weekly paycheck.
The effective total tax rate for a Captains, Mates, and Pilots of Water Vessels in Tennessee is 23.8%, broken down as: federal income tax 16.1%, Tennessee state tax 0.0%, and FICA (Social Security + Medicare) 7.7%. 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 Captains, Mates, and Pilots of Water Vessels 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 23.8%.
After all taxes, a Captains, Mates, and Pilots of Water Vessels in Tennessee takes home approximately $8,430 per month, or about $48.64 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 $132,710 for Captains, Mates, and Pilots of Water Vessels 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 — $101,168/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