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Tax Year 2026Updated July 20, 2026

Georgia Paycheck Calculator 2026

Georgia uses a flat income tax rate of 4.99% on all taxable income. Unlike states with graduated brackets, every dollar you earn above the exemption threshold is taxed at the same rate. Combined with federal income tax and FICA deductions, use the calculator below to see your actual take-home pay per pay period.

Georgia's Flat Income Tax

Georgia levies a flat 4.99% income tax on all taxable income. There are no progressive brackets - whether you earn $30,000 or $300,000, the state rate is the same. This simplifies withholding calculations compared to graduated-bracket states.

Retirees may benefit from partial pension income exclusions.

How Your Georgia Paycheck Is Calculated

  1. Gross pay: Your annual salary divided by the number of pay periods.
  2. Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
  3. Social Security: 6.2% on wages up to $184,500.
  4. Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
  5. Georgia state income tax: Flat 4.99% on taxable income.

Georgia Standard Deduction

Georgia's standard deduction for 2026 is $12,000 for single filers and $24,000 for married filing jointly. This is subtracted from gross income before Georgia's tax brackets are applied. Note: the state deduction is separate from and much smaller than the federal standard deduction of $16,100.

Retirement Income in Georgia

Georgia offers a partial exclusion for pension and retirement income. Some retirement income may be exempt or receive preferential treatment depending on the source and amount. verified_primary_snippet - $65,000 retirement income exclusion per person age 62+; increases to $70,000 from 2027 per HB 463; confirm on direct access

Worked Examples

Example 1: $85,000/year - Married Filing Jointly, Weekly

Profile: $85,000 annual salary, Married Filing Jointly filer, paid weekly (52 paychecks/year)

Gross per period: $1,634.62
Federal income tax: -$112.31
Social Security: -$101.35
Medicare: -$23.70
Georgia state income tax: -$81.57
Net take-home pay: $1,315.69 per paycheck ($68,416/year)
Effective total tax rate: 19.51%

Example 2: $55,000/year - Single, Semi-monthly

Profile: $55,000 annual salary, Single filer, paid semimonthly (24 paychecks/year)

Gross per period: $2,291.67
Federal income tax: -$184.17
Social Security: -$142.08
Medicare: -$33.23
Georgia state income tax: -$114.35
Net take-home pay: $1,817.84 per paycheck ($43,628/year)
Effective total tax rate: 20.68%

Example 3: $42,000/year - Head of Household, Monthly

Profile: $42,000 annual salary, Head of Household filer, paid monthly (12 paychecks/year)

Gross per period: $3,500.00
Federal income tax: -$149.00
Social Security: -$217.00
Medicare: -$50.75
Georgia state income tax: -$174.65
Net take-home pay: $2,908.60 per paycheck ($34,903/year)
Effective total tax rate: 16.90%

Georgia Tax Notes

  • Flat tax rate: 4.99% on all taxable income.
  • Supplemental withholding rate: 4.99% for bonuses and supplemental wages.

Georgia does not impose local income taxes. Local jurisdictions impose sales taxes (typically 3-4% combined) and property taxes. Local sales tax DOES apply to groceries even though the state exempts them.

OBBBA Conformity

Georgia partially conforms to the federal OBBBA deductions. The state provides its own, smaller exclusion for tips and overtime income that differs from the federal amounts. The federal deductions still apply on your federal return at the full amount.

Frequently Asked Questions

What taxes are deducted from my Georgia paycheck?
Your Georgia paycheck has deductions for federal income tax (10%-37% progressive brackets), FICA (Social Security + Medicare), and Georgia state income tax at a flat rate of 4.99%.
How accurate is this paycheck calculator?
This calculator estimates take-home pay using 2026 federal and Georgia state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.
How does Georgia's flat income tax work?
Georgia uses a flat tax rate of 4.99% that applies to all taxable income regardless of how much you earn. Unlike graduated-bracket states where higher income is taxed at higher rates, every dollar of taxable income in Georgia is taxed at the same rate.
Is Georgia's flat tax rate applied to all my income?
The flat rate applies to your taxable income, which is your gross income minus any applicable deductions or exemptions. Georgia provides a standard deduction that reduces taxable income. The flat rate does not apply to income below these thresholds.
Is my pension or retirement income taxed in Georgia?
Georgia offers a partial exclusion for pension and retirement income. Some retirement income may be exempt or receive preferential treatment depending on the source and amount. Social Security benefits are not taxed at the state level.
How are bonuses and supplemental wages taxed in Georgia?
Georgia withholds state tax on bonuses, commissions, and other supplemental wages at a flat rate of 4.99%. This may differ from your regular withholding rate. At the federal level, supplemental wages are typically withheld at a flat 22% (or 37% above $1 million).
Does Georgia conform to the OBBBA overtime and tips deductions?
Partially. Georgia provides its own exclusion for tips and overtime income, but the amounts differ from the federal OBBBA deductions. The federal deductions still reduce your federal taxable income at the full amount. Check with your Georgia tax authority for the state-specific exclusion limits.