Georgia Paycheck Calculator
Georgia finished converting from six brackets to a single flat rate in 2024 and is stepping that rate down every year toward 3.99%. For 2026 it landed at 4.99% — but the cut was signed mid-year and made retroactive to January 1, so employers withheld at the old 5.19% for the first half of the year.
Tax year 2026 · Updated 2026-08-29 · Federal withholding follows IRS Publication 15-T · Georgia tax authority
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How Georgia taxes your paycheck
Georgia withholding uses Form G-4 and a flat 4.99% applied to wages less a standard deduction of $15,000 single or $30,000 joint and $5,000 per dependent. There is no separate personal exemption — it was folded into the standard deduction during the flat-tax conversion. New for 2026, Georgia excludes up to $1,750 of qualified overtime pay and up to $1,750 of cash tips from state taxable income, mirroring but not matching the federal One Big Beautiful Bill provisions. No Georgia city or county levies an income tax.
Every Georgia paycheck starts with the same two federal layers. Federal income tax is calculated with the IRS percentage method from Publication 15-T: your pay is annualized, adjusted for the entries on your Form W-4, run through the withholding schedule for your filing status, then divided back down to a per-paycheck figure. On top of that, Social Security and Medicare take a combined 7.65% — 6.2% for Social Security on wages up to $184,500 in 2026, and 1.45% for Medicare with no ceiling at all. Only after those two layers does anything state-specific apply.
Georgia income tax rates for 2026
Georgia applies a single rate of 4.99% to taxable income. Georgia's flat rate fell to 4.99% for 2026, applied retroactively to January 1.
| Georgia withholding parameter | 2026 amount |
|---|---|
| Standard deduction, single | $15,000 |
| Standard deduction, married filing jointly | $30,000 |
| Exemption per dependent | $5,000 |
| Effective GA tax on a $75,000 salary | $2,994 (3.99% of gross) |
Local income taxes in Georgia
No Georgia city, county or school district levies an income tax on wages. Whatever your stub shows beyond federal tax, FICA and your own benefit elections, it is not a local income tax — which makes Georgia simpler to model than neighbouring states that stack city taxes on top of the state rate. If you commute into another state for work, though, that state's local taxes can still reach you; our guide to working in two states covers how that works.
Georgia take-home pay at different salaries
The table below runs the full 2026 calculation — federal withholding under Publication 15-T, Social Security, Medicare, Georgia income tax and any state premiums — at ten common salary levels. It assumes a single filer, standard withholding with no Step 2 checkbox, no dependents and no pre-tax benefits, so treat it as a baseline rather than a personal figure.
| Gross salary | Federal tax | FICA | GA tax | Annual take-home | Bi-weekly | Kept |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $748 | $25,536 | $982.17 | 85.1% |
| $40,000 | $2,620 | $3,060 | $1,248 | $33,072 | $1,272.02 | 82.7% |
| $50,000 | $3,820 | $3,825 | $1,746 | $40,608 | $1,561.87 | 81.2% |
| $60,000 | $5,020 | $4,590 | $2,246 | $48,144 | $1,851.71 | 80.2% |
| $75,000 | $7,670 | $5,738 | $2,994 | $58,598 | $2,253.79 | 78.1% |
| $90,000 | $10,970 | $6,885 | $3,742 | $68,402 | $2,630.87 | 76% |
| $100,000 | $13,170 | $7,650 | $4,242 | $74,938 | $2,882.25 | 74.9% |
| $125,000 | $18,734 | $9,562 | $5,489 | $91,214 | $3,508.25 | 73% |
| $150,000 | $24,734 | $11,475 | $6,736 | $107,054 | $4,117.48 | 71.4% |
| $200,000 | $36,734 | $14,339 | $9,232 | $139,696 | $5,372.90 | 69.8% |
A single filer earning $75,000 in Georgia keeps about $58,598 a year, or $2,253.79 on a bi-weekly schedule — an effective total tax rate of 21.9% once federal tax, FICA and state tax are counted. Married filers generally keep more at the same gross because the federal joint schedule is wider; you can model that by switching the filing status in the calculator, or compare states side by side with the state paycheck comparison tool.
What actually changes your Georgia paycheck
Because the rate cut was retroactive, many Georgians will see a modest refund for 2026 even with an accurate G-4. If you earn overtime or tips, claiming the new $1,750 state exclusions on your return is worth roughly $87 each — small, but it stacks with the far larger federal deductions.
Three federal levers matter everywhere, and they are usually worth more than any state-specific trick. The first is Step 2 of your Form W-4: if you hold two jobs or your spouse works, leaving it blank tells the tables to assume your job is the household's only income, which under-withholds badly. Our W-4 walkthrough walks through it line by line. The second is pre-tax benefits — health premiums, an FSA or an HSA come out before Social Security and Medicare as well as income tax, so they are worth more per dollar than a 401(k) deferral. The third is the 401(k) paycheck calculator, which shows exactly how much take-home you give up for each percentage point you defer.
Georgia minimum wage and hourly pay
The Georgia minimum wage for 2026 is $7.25 an hour. Georgia's own statutory minimum is $5.15, but FLSA-covered employers must pay the federal $7.25.
If you are paid by the hour rather than on salary, the Georgia hourly paycheck calculator handles overtime, multiple rates and unpaid breaks. Here is what a full-time schedule of 40 hours a week looks like across a range of hourly rates in Georgia.
| Hourly rate | Gross year | Total tax | Annual take-home | Bi-weekly | Effective hourly |
|---|---|---|---|---|---|
| $15.00/hr | $31,200 | $4,759 | $26,441 | $1,016.95 | $12.71/hr |
| $18.00/hr | $37,440 | $6,297 | $31,143 | $1,197.82 | $14.97/hr |
| $20.00/hr | $41,600 | $7,322 | $34,278 | $1,318.39 | $16.48/hr |
| $22.00/hr | $45,760 | $8,347 | $37,413 | $1,438.97 | $17.99/hr |
| $25.00/hr | $52,000 | $9,884 | $42,116 | $1,619.83 | $20.25/hr |
| $30.00/hr | $62,400 | $12,447 | $49,953 | $1,921.27 | $24.02/hr |
| $35.00/hr | $72,800 | $15,639 | $57,161 | $2,198.48 | $27.48/hr |
| $40.00/hr | $83,200 | $19,242 | $63,958 | $2,459.92 | $30.75/hr |
| $50.00/hr | $104,000 | $26,447 | $77,553 | $2,982.80 | $37.29/hr |
| $65.00/hr | $135,200 | $37,523 | $97,677 | $3,756.82 | $46.96/hr |
Working across state lines from Georgia
Georgia has no reciprocity agreements with any other state. If you live in one state and work in Georgia, both states can claim the income: the work state taxes it at source and your home state generally grants a credit for the tax you paid. The credit is limited to what your home state would have charged, so a commuter into a higher-tax state effectively pays the higher rate.
Our guide to multi-state withholding covers the mechanics — resident credits, part-year returns, and what to do when you move mid-year.
Frequently asked questions
What is the Georgia income tax rate for 2026?
A flat 4.99% for the full year. The reduction from 5.19% was enacted mid-2026 and applied retroactively to January 1, so first-half withholding was based on the higher rate.
Does Georgia tax overtime and tips?
Partly. For 2026 through 2028 Georgia excludes up to $1,750 of qualified overtime compensation and up to $1,750 of cash tips from state taxable income. Amounts above those caps are taxed normally.
How much is taken out of a paycheck in Georgia?
On a $75,000 salary a single filer in Georgia has about $16,402 withheld a year — $7,670 in federal income tax, $5,738 in Social Security and Medicare, and $2,994 in Georgia state tax and premiums. That leaves roughly $58,598 a year, or $2,253.79 every two weeks.
How do I calculate my take-home pay in Georgia?
Start with gross pay for the period, subtract pre-tax benefit deductions, then subtract federal income tax calculated from your W-4 under the Publication 15-T percentage method, 6.2% Social Security up to the $184,500 wage base, 1.45% Medicare, and Georgia income tax on the amount left after the state's own deductions and exemptions. The calculator at the top of this page does all of it for you and shows each line separately.
Is this Georgia paycheck calculator accurate for 2026?
It uses the 2026 federal withholding schedules published in IRS Publication 15-T and Georgia's current withholding parameters, so it matches a correctly configured payroll system closely. Differences usually come from something your employer knows and the calculator does not: a mid-year raise, a benefit election that started part-way through the year, or year-to-date wages that have already passed the Social Security wage base. See our methodology page for exactly what is modelled.
Related calculators
If you are paid hourly, start with the Georgia hourly calculator instead. To see what a raise or a bonus does, the bonus tax calculator applies the 22% supplemental rate the IRS allows employers to use, and the gross-up calculator solves the problem in reverse when you need a specific amount to land in someone's account.