Georgia Paycheck Calculator (2026) - Take-Home Pay After Taxes
Georgia has a flat 4.99% state income tax for 2026. Federal tax and FICA also come out of each paycheck. Use this Georgia paycheck calculator to see your take-home pay. Then check the salary examples, state comparisons, and payroll rules below.
Enter your salary, filing status, and deductions to see your estimated Georgia take-home pay.
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2026 federal & state tax rates - Standard deduction applied
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How Much Tax Is Taken Out of a Paycheck in Georgia?
Your Georgia paycheck has three main taxes: federal income tax, Georgia's flat state tax, and FICA. FICA is Social Security plus Medicare. For most workers, taxes take about 20% to 30% of gross pay. The share depends on your income and your W-4. Georgia has no local or city income tax, so the state rate is the same everywhere. Here is what comes out of your pay:
- Federal income tax: set by your W-4 and the 2026 IRS brackets. For most incomes, the real rate is 8% to 18%.
- Georgia state income tax: a flat 4.99% for 2026. It applies to pay after pre-tax deductions.
- Social Security: 6.2% of pay, up to the 2026 wage base of $184,500.
- Medicare: 1.45% of all pay. Add 0.9% on pay over $200,000.
- No local income tax: Georgia cities and counties do not tax wages.
On a $60,000 salary, a single worker keeps about $47,387 a year. Roughly 21% goes to federal tax, state tax, and FICA. Type your salary in the calculator above to see your own number.
Georgia Take-Home Pay by Salary (2026)
Single filer. Includes federal tax, Georgia state tax (4.99% flat), and FICA only. Your real take-home depends on your W-4 and pre-tax deductions.
| Gross Salary | Federal Tax | Georgia State Tax | FICA (7.65%) | Take-Home Pay | % Taken Out |
|---|---|---|---|---|---|
| $40,000 | $2,630 | $1,996 | $3,060 | ~$32,315 | ~19% |
| $50,000 | $3,830 | $2,495 | $3,825 | ~$39,851 | ~20% |
| $60,000 | $5,030 | $2,994 | $4,590 | ~$47,387 | ~21% |
| $75,000 | $7,872 | $3,743 | $5,738 | ~$57,648 | ~23% |
| $100,000 | $13,372 | $4,990 | $7,650 | ~$73,988 | ~26% |
These are estimates for a single filer. Your take-home also depends on pre-tax deductions like a 401k, HSA, and insurance. For a full walkthrough, see our take-home pay guide and FICA explained.
Georgia's Flat Income Tax (What Changed)
Georgia used to have tax brackets. Now it uses one flat rate for everyone, and the state has cut it each year. The rate is 4.99% for 2026, down from 5.19% in 2025. Check the current rate with the Georgia Department of Revenue. Our calculator uses a simple withholding model. Your state tax on your yearly return may differ a bit once Georgia's standard deduction and exemption apply.
How Georgia Compares
Georgia's 4.99% flat rate sits well below California, which reaches 13.3%. It is higher than no-tax states like Texas and Florida, where no state income tax leaves your pay. Compare your take-home across states with our 50-state calculators.
After taxes, the rest of your take-home is yours to save or invest.
Model a monthly contribution below to see long-term growth scenarios. Illustrative only, not investment advice.
Open Investment & Savings Planner ↓Georgia Income Tax Overview (2026)
- State income tax: 4.99% - top rate 4.99%
- Social Security tax: 6.2% on first $184,500 of wages (2026)
- Medicare tax: 1.45% on all wages (+ 0.9% above $200,000)
- Unemployment insurance (SUI): Employer-paid unemployment insurance (not withheld from paychecks)
- Local income tax: Georgia has no local or city income taxes on wages.
Georgia collects state income tax using a flat rate. The top marginal rate is 4.99%. Below are the Georgia 2026 income tax brackets for single filers.
| Taxable Income | Tax Rate |
|---|---|
| Over $0 | 4.99% |
2026 Federal Income Tax Brackets
These brackets apply to all US workers regardless of state. The 2026 brackets are inflation-adjusted from 2025.
Single / Head of Household
| Taxable Income | Tax Rate |
|---|---|
| $0-$11,925 | 10.00% |
| $11,925-$48,475 | 12.00% |
| $48,475-$103,350 | 22.00% |
| $103,350-$197,300 | 24.00% |
| $197,300-$250,525 | 32.00% |
| $250,525-$626,350 | 35.00% |
| Over $626,350 | 37.00% |
Married Filing Jointly
| Taxable Income | Tax Rate |
|---|---|
| $0-$23,850 | 10.00% |
| $23,850-$96,950 | 12.00% |
| $96,950-$206,700 | 22.00% |
| $206,700-$394,600 | 24.00% |
| $394,600-$501,050 | 32.00% |
| $501,050-$751,600 | 35.00% |
| Over $751,600 | 37.00% |
2026 standard deduction: $16,100 (Single) · $32,200 (Married) · $24,150 (Head of Household)
2025 vs 2026: What Changed?
The IRS adjusts tax brackets annually for inflation. Here's how your take-home pay changes between years for common salaries in Georgia (single filer, standard deduction).
| Gross Salary | 2025 Take-Home | 2026 Take-Home | Difference |
|---|---|---|---|
| $50,000 | $39,802 | $39,851 | +$49 |
| $75,000 | $57,432 | $57,648 | +$216 |
| $100,000 | $73,772 | $73,988 | +$216 |
| $150,000 | $105,778 | $106,057 | +$280 |
| $200,000 | $138,939 | $138,698 | -$241 |
Single filer, standard deduction, no pre-tax contributions.
Example Take-Home Pay in Georgia (2026)
Single filer, standard deduction ($16,100), no additional withholding.
| Gross Annual | Federal Tax | State Tax | FICA | Net Annual | Biweekly | Eff. Rate |
|---|---|---|---|---|---|---|
| $50,000 | $3,830 | $2,495 | $3,825 | $39,851 | $1,532.71 | 20.3% |
| $75,000 | $7,872 | $3,743 | $5,738 | $57,648 | $2,217.23 | 23.1% |
| $100,000 | $13,372 | $4,990 | $7,650 | $73,988 | $2,845.69 | 26.0% |
| $150,000 | $24,983 | $7,485 | $11,475 | $106,057 | $4,079.12 | 29.3% |
| $200,000 | $36,983 | $9,980 | $14,339 | $138,698 | $5,334.54 | 30.7% |
Learn more: How FICA taxes work in 2026 · Gross vs. net income explained · How to calculate your take-home pay
Georgia vs Other States - Biweekly Take-Home at $75,000
Same $75,000 salary, same single filer, same federal deductions - only state income tax differs. This is how Georgia compares to nearby and popular states.
| State | State Tax Rate | Biweekly Net Pay | vs Georgia |
|---|---|---|---|
| Florida | 0% | $2,361.17 | +$143.94/check |
| North Carolina | 4.5% | $2,231.37 | +$14.13/check |
| South Carolina | 6.4% | $2,203.21 | -$14.02/check |
| Tennessee | 0% | $2,361.17 | +$143.94/check |
| Alabama | 5% | $2,218.48 | +$1.25/check |
| Texas | 0% | $2,361.17 | +$143.94/check |
Single filer, standard deduction, no pre-tax contributions. Calculate your exact take-home pay · Browse all state calculators
W-4 Tips for Georgia Workers in 2026
- Your W-4 sets your federal withholding. That changes your Georgia take-home pay. Update it when your income or family size changes.
- Georgia also uses Form G-4 for state tax. Pick the status letter that fits you: A, B, C, or D. If you skip it, your employer uses the single rate.
- Use Step 3 for the child tax credit. It is $2,200 per child under 17 in 2026. Each child cuts your withholding by about $84.62 per biweekly check.
- OBBBA: put your yearly overtime premium on Step 4(b) for FLSA overtime. The deduction caps at $12,500.
- Add extra withholding on Step 4(c) if you have side income. That helps you avoid a big bill at tax time.
Complete 2026 W-4 instructions · How to calculate your take-home pay
FICA Taxes in 2026
Investment & Savings Planner
Customize your savings rate, time horizon, and return to see what your Georgia take-home pay could become.
Select from examples or enter your own
Your Money Split at 20 Years
For illustration only. Assumes contributions made monthly at the start of each period, compounded monthly. Past performance does not guarantee future results. Consult a financial advisor.
Georgia tax reform
Georgia 2026 Rate Change - HB 463
Georgia's income tax has fallen steadily since 2022. The 4.99% rate under HB 463 keeps Georgia competitive with other Southeast states for workers.
| Year | Rate | Context |
|---|---|---|
| 2022 | Progressive brackets up to 5.75% | Top bracket applied to income over $7,000 |
| 2024 | 5.49% flat | First year of flat tax; rate was 5.75% in 2023 |
| 2025 | 5.19% flat | Down from 5.49% under phased reduction schedule |
| 2026 (HB 463) | 4.99% flat | Final target rate reached under HB 463. |
Why this matters
A $75,000 earner in Georgia saves approximately $150/year with the 2026 4.99% rate vs the 2025 5.19% rate. At $150,000, the savings grow to approximately $300/year.Georgia tax structure
How Georgia's 4.99% Flat Tax Works
Unlike progressive states where rates climb with income, Georgia applies a single 4.99% rate to all taxable income after deductions and exemptions.
| Deduction / Exemption | Amount | Notes |
|---|---|---|
| Federal standard deduction | $16,100 (single) · $32,200 (MFJ) · $24,150 (HoH) | Reduces federal taxable income on W-4 |
| Georgia standard deduction | $12,000 (single) · $24,000 (MFJ) · $18,000 (HoH) | Reduces Georgia taxable income on G-4 |
| Georgia personal exemption | $4,000 per taxpayer · $4,000 per dependent | Available on G-4; unlike federal, Georgia still uses exemptions |
| Flat rate on remainder | 4.99% | Applied to GA taxable income = gross - SD - exemptions |
Example: Single filer earning $75,000. Georgia taxable income = $75,000 - $12,000 standard deduction - $4,000 personal exemption = $59,000. Georgia tax = $59,000 x 0.0499 = $2,944.
State comparison
Georgia vs Other States - Biweekly Take-Home at $75,000 (2026)
Same salary, same federal deductions - only state income tax differs. Georgia at 4.99% is competitive with most Southeast neighbors.
| State | State Tax Rate | Biweekly Net Pay | vs Georgia |
|---|---|---|---|
| Texas / Florida | 0% - None | $2,373 | +$125/check |
| North Carolina | 4.5% flat | $2,262 | +$14/check |
| Georgia (you) | 4.99% flat (HB 463) | ~$2,217 | Benchmark |
| Illinois | 4.95% flat | $2,250 | +$2/check |
| South Carolina | Progressive to 6.4% | $2,228 | -$20/check |
| New York | Progressive to 10.9% | $2,166 | -$82/check |
| California | Progressive to 13.3% | $2,140 | -$108/check |
Georgia's 4.99% rate is close to Illinois (4.95%) and competitive with many Southeast states that use progressive taxes. The gap with Texas/Florida (about $125/check, or roughly $3,250/year) reflects no state income tax in those states - but Georgia's no-city-tax rule, 0% on Social Security, and strong job market still make it a solid option for many workers.
Retirement planning
Georgia's Retirement Income Tax Benefits
Georgia offers strong retirement income tax benefits. Social Security is fully exempt, and age-based exclusions can reduce tax on pensions, IRAs, and other retirement income.
| Income type | Age group | GA exemption | What this means |
|---|---|---|---|
| Social Security benefits | All ages | 100% exempt | Zero Georgia tax on any SS benefit. Several other states tax some portion. |
| Pension, IRA, 401(k), interest, dividends | 65+ | $65,000/person exempt | A couple 65+ can exclude $130,000 in retirement income. At 4.99%, this saves up to $3,252/couple. |
| Pension, IRA, 401(k), interest, dividends | 62-64 | $35,000/person exempt | Significant relief for early retirees before age 65. |
| Pension income only | Under 62 | $5,000 exempt | Limited but still a benefit for workers with pension income alongside wages. |
Why this matters for paycheck planning
If you're over 62 and working part-time in Georgia while drawing retirement income, your pension or IRA withdrawals may be partially or fully excluded from Georgia income tax - meaning your effective Georgia tax rate on combined income is much lower than 4.99%. Age-based exclusions are one reason Georgia is a popular retirement destination, including for workers comparing zero-income-tax states that do not offer comparable retirement exclusions.Worker rights
Georgia Payroll Laws - What Every Worker Needs to Know
Georgia is an employer-friendly state for payroll administration - simple rules, no city taxes, no state disability insurance. Here's what applies to you as a Georgia worker.
Minimum Wage
$7.25/hr (federal FLSA)
Georgia's own minimum wage is $5.15/hr, but nearly all employers are covered by FLSA. Tipped employees: $2.13/hr if tips bring total to $7.25+.
Pay Frequency
No state-mandated minimum
Georgia does not require a specific pay frequency for most private employers. Most Georgia employers pay biweekly.
Final Paycheck
Next regular payday
Georgia has no state law requiring immediate final pay. No waiting time penalties (unlike California).
Overtime
1.5x for 40+ hrs/week (federal FLSA)
Georgia has no state overtime law. No daily overtime requirement (unlike California's after 8-hour daily rule).
City & County Income Taxes
$0 - None anywhere
Unlike Ohio (600+ municipal taxes) or Pennsylvania, Georgia has zero city or county income taxes.
State Disability / Paid Leave
$0 - Georgia has neither
Unlike California (SDI 1.2%), New York, or Washington, Georgia has no state-mandated disability insurance or paid family leave payroll tax.
Maximize take-home
Georgia G-4 & W-4 Tips - Maximize Your Take-Home
Georgia workers complete two withholding forms - the federal W-4 and Georgia's own Form G-4. Both affect your paycheck. Here's how to optimize both for 2026.
| Form / Section | What to Do | Impact |
|---|---|---|
| G-4 - File it | If you've never filed a G-4 with your employer, do it now. Without it, Georgia withholds at Single rate regardless of your actual status. Download from dor.georgia.gov. | Prevents over-withholding |
| G-4 - Filing status | A = Single. B = Married both working or filing separately. C = Married filing jointly, one earner. D = Head of Household. Selecting C instead of B if applicable can reduce Georgia withholding significantly. | Reduces state withholding |
| Federal W-4 Step 3 | Enter $2,200 per qualifying child under 17 (2026 Child Tax Credit). Directly reduces federal withholding by $84.62/biweekly check per child. | +$84.62/check per child |
| Pre-tax 401(k) | Traditional 401(k) reduces both federal AND Georgia state taxable income. At 22% federal + 4.99% GA = 26.99% combined tax savings per dollar deferred. | 26.99% combined savings |
| HSA | Georgia recognizes HSA tax treatment - contributions reduce both federal AND Georgia taxable income. Unlike California, which does not honor HSA pre-tax treatment. Max 2026: $4,300 self-only / $8,550 family. | Reduces GA + federal tax |
Related Paycheck Tools & Guides
Frequently Asked Questions - Georgia Taxes
How much tax is taken out of a paycheck in Georgia?
What is the Georgia income tax rate for 2026?
Does Georgia have a state income tax?
How much is $60,000 after taxes in Georgia?
Sources
Disclaimer: PaycheckSense provides estimates for informational purposes only based on 2026 federal and state tax data. Actual withholding may vary based on your W-4 elections, pre-tax deductions (401k, HSA, FSA), local/city taxes, and other factors. This is not tax advice. Consult a qualified tax professional for personalized guidance.
Compare to Other States
2026 Standard Deduction