Free — Updated for Georgia's 2026 Flat Tax Rate
Georgia Paycheck Calculator — Free Take-Home Pay Estimator
Use our free Georgia Paycheck Calculator to find out exactly how much you take home after federal income tax, Georgia state income tax, Social Security, and Medicare. Enter your salary or hourly rate, filing status, and pay frequency — and instantly see your full paycheck breakdown, updated for Georgia's 2026 flat tax rate of 4.99%.
Georgia switched from a six-bracket progressive system to a flat income tax in 2024, and the rate has been cut every year since — from 5.49% in 2024, to 5.39% in 2025, and now 4.99% in 2026 under HB 463. Georgia also has no city or county income tax, meaning the state rate is your only local obligation — no matter if you live in Atlanta, Savannah, Augusta, or anywhere else in the state. Official withholding guidance is published by the Georgia Department of Revenue.
Need to convert your hourly wage first? Visit the USA Pay Calculator home page to explore all tools, use our Salary Calculator to convert your hourly rate to annual income, or check our Paycheck Calculator for a general U.S. estimate. Working overtime? Our Overtime Calculator shows your exact time-and-a-half earnings. Compare Georgia against other states at our Paycheck Calculator by State.
Georgia Paycheck Calculator
Enter your pay details to see your Georgia take-home pay instantly.
Enter your pay details on the left to get started.
How the Georgia Paycheck Calculator Works
Get your full Georgia take-home pay breakdown in five simple steps.
Enter your pay
Type your annual salary, or switch to hourly and enter your rate and weekly hours. Hourly pay is annualized automatically.
Choose G-4 filing status
Select your Georgia G-4 status: A (Single), B (Married both working), C (Married one working), or D (Head of Household).
Add dependents
Enter the number of dependent exemptions from your G-4 form. Each dependent reduces your Georgia taxable income by $3,000.
Set pay frequency
Choose weekly, biweekly, semi-monthly, or monthly to match your actual pay schedule.
See your breakdown
Instantly view federal tax, Social Security, Medicare, Georgia flat state tax, net annual and monthly pay, and your effective tax rate.
Georgia Income Tax Details for 2026
Georgia uses a flat income tax rate of 4.99% for 2026 — applied to all taxable income after standard deduction and exemptions. Unlike progressive states, every dollar of your taxable income is taxed at the same rate, making it straightforward to calculate.
| Standard Deduction by G-4 Status (2026) | Amount |
|---|---|
| A — Single | $15,000 |
| D — Head of Household | $15,000 |
| B — Married, Both Working / MFS | $7,500 each |
| C — Married Filing Jointly, One Spouse Working | $30,000 |
| Personal & Dependent Exemptions (2026) | Amount |
|---|---|
| Personal exemption — Single (A or D) | $4,000 |
| Personal exemption — Married Both Working (B) | $4,000 each |
| Personal exemption — Married Joint, One Working (C) | $20,000 |
| Dependent exemption (per dependent) | $3,000 |
| Georgia Flat Tax Rate History | Tax Year | Rate |
|---|---|---|
| Phased flat tax introduced | 2024 | 5.49% |
| Rate reduced under HB 1015 | 2025 | 5.39% |
| Rate accelerated under HB 463 (current) | 2026 | 4.99% |
| Scheduled reduction (if revenue targets met) | 2027+ | TBD |
Source: Georgia Department of Revenue, dor.georgia.gov. HB 463 accelerated Georgia's flat tax rate reduction to 4.99% for tax year 2026. Future rate reductions depend on state revenue triggers established in Georgia's tax reform legislation.
Understanding Georgia Payroll Taxes
Georgia's Flat Income Tax
Georgia converted from a six-bracket progressive system (1%–5.75%) to a flat income tax in 2024. For 2026, every dollar of taxable income is taxed at exactly 4.99% — the same rate whether you earn $30,000 or $300,000. This makes Georgia's state tax one of the easiest to calculate: multiply your taxable income by 0.0499 and you're done.
The flat rate has been reduced every year since the reform: 5.49% in 2024, 5.39% in 2025, and 4.99% in 2026 under HB 463. Future reductions depend on whether Georgia meets its revenue targets.
The G-4 Withholding Form
Georgia's G-4 form (Employee's Withholding Allowance Certificate) determines how much state tax your employer withholds each paycheck. Unlike the current federal W-4, Georgia's G-4 uses a letter-based filing status system: A (Single), B (Married, both working or filing separately), C (Married filing jointly, one spouse working), and D (Head of Household). Each status has a different standard deduction, which directly changes your taxable income and withholding amount.
Federal Tax & FICA
On top of Georgia state tax, all residents pay federal income tax using seven progressive brackets (10%–37% in 2026), Social Security at 6.2% on wages up to $176,100, and Medicare at 1.45% with no cap. These federal obligations are identical regardless of which state you live in. For full federal withholding details see the IRS withholding guidance.
No Local Income Tax Anywhere in Georgia
Georgia has absolutely no city or county income tax. Atlanta, Savannah, Augusta, Columbus, Macon — none of Georgia's cities or counties add any local income tax on top of the state rate. This contrasts sharply with states like Maryland (where every county charges 2.25%–3.30% local tax), Ohio (600+ city income taxes), and Pennsylvania (most municipalities charge ~1%). Georgia's simplicity is one reason it consistently ranks well for business and payroll complexity.
Georgia Retirement Income Exclusion
Georgia is one of the most retirement-friendly tax states. Taxpayers aged 62 and older can exclude up to $35,000 of retirement income from Georgia taxable income — and this increases to $65,000 at age 65 and over. Qualifying income includes Social Security, pension payments, 401(k) distributions, IRA withdrawals, and annuity income. A retiree aged 65+ with $65,000 or less in retirement income effectively pays zero Georgia state income tax.
How Georgia's Tax Compares to Neighbors
Georgia's 4.99% flat rate sits in the middle of its neighboring states. Florida and Tennessee charge no state income tax on wages, while North Carolina charges 4.5% (flat), South Carolina uses progressive brackets up to 6.2%, and Alabama uses brackets up to 5%. Compared to high-tax states like California (up to 13.3%) or New York (up to 10.9%), Georgia's burden is significantly lower. Use our Paycheck Calculator by State to compare Georgia take-home pay against any other state.
💡 How much does Georgia's flat tax save vs. the old progressive system?
Under Georgia's old six-bracket system, the top rate was 5.75% on income above $7,000 (single). At a $75,000 salary, most income was taxed near that top rate. At 4.99% flat in 2026, a $75,000 single filer saves roughly $570 per year compared to the 2023 progressive system — and even more compared to high-tax states. Try our Georgia Paycheck Calculator above to see your exact 2026 take-home pay, or use our Salary Calculator to convert your hourly rate to an annual figure first.
Georgia Paycheck Calculator — Frequently Asked Questions
Georgia's income tax rate for 2026 is a flat 4.99% on all taxable income, after subtracting your standard deduction and personal and dependent exemptions. This rate was accelerated from the scheduled 5.09% by HB 463, signed into law in 2026. Georgia previously used a six-bracket progressive system with rates up to 5.75%, before converting to a flat tax starting in 2024.
No. Georgia has no city or county income taxes anywhere in the state. Whether you work in Atlanta, Savannah, Augusta, Columbus, or any other Georgia city, you only pay the state flat rate of 4.99% — there is no additional local income tax layered on top. This is one of Georgia's biggest payroll advantages compared to states like Maryland (county tax on every resident), Ohio (600+ city taxes), or Pennsylvania (municipal earned income taxes).
The G-4 is Georgia's Employee's Withholding Allowance Certificate — the state equivalent of a federal W-4. It uses a letter-based filing status: A (Single), B (Married filing separately or both spouses working), C (Married filing jointly with one spouse working), and D (Head of Household). Your G-4 status determines your standard deduction ($15,000 for A/D, $7,500 for B, $30,000 for C) and personal exemption ($4,000 for A/B/D, $20,000 for C). You can also claim dependent exemptions of $3,000 each on Line 4 of the G-4.
A flat tax applies the same rate to every dollar of taxable income — Georgia's 4.99% applies whether you earn $25,000 or $250,000 in taxable income. A progressive tax uses brackets where higher income is taxed at higher rates — for example, California's system goes from 1% to 13.3% as income rises. Georgia's flat system is simpler to calculate and means high earners aren't penalized with a higher marginal rate, but low earners pay the same percentage as high earners (though the standard deduction and exemptions reduce the burden at lower income levels).
On a $60,000 salary in Georgia as a single filer with no dependents (G-4 status A), your estimated 2026 take-home pay is approximately $44,500–$46,000 annually — about $1,710–$1,770 biweekly. Deductions include federal income tax (~$5,600), Social Security ($3,720), Medicare ($870), and Georgia state tax (~$2,050 after $15,000 standard deduction + $4,000 personal exemption). For your exact number, use our Georgia Paycheck Calculator above.
Georgia is a moderate-tax state with a competitive flat income tax of 4.99% in 2026, no local income tax, and a reasonable standard deduction. Compared to high-tax states like California (up to 13.3%), New York (up to 10.9%), or Hawaii (up to 7.9%), Georgia workers keep significantly more of their income. Georgia falls behind Florida, Texas, and Tennessee (all zero state income tax) but is competitive with neighboring North Carolina (4.5%) and well below South Carolina (up to 6.2%). Use our Paycheck Calculator by State to compare any two states side by side.
No. Georgia does not tax Social Security benefits. Additionally, Georgia offers a generous retirement income exclusion: taxpayers aged 62–64 can exclude up to $35,000 of retirement income (pension, 401(k), IRA, annuity), and those aged 65 and over can exclude up to $65,000. This makes Georgia one of the most tax-friendly states for retirees in the Southeast.
We offer a general Paycheck Calculator, a Salary Calculator to convert hourly to annual pay, an Overtime Calculator for time-and-a-half earnings, a 401(k) Calculator, and state-specific paycheck calculators for all 50 states. Visit the USA Pay Calculator home page to see all free tools.