Georgia Pay Calculator
Georgia’s income tax changed twice in three years, and most paycheck calculators never caught up: they still show the old 5.39% rate. For 2026 the rate is a flat 4.99%, after House Bill 463 cut it from 5.19%, raised the standard deduction to $15,000 single and $30,000 joint, and set the dependent deduction at $5,000 per dependent. This Georgia pay calculator uses those 2026 figures, plus the current federal brackets and FICA rules, to estimate your take-home pay per paycheck and for the year.
Quick Answer
A $75,000 salary in Georgia for a single filer paid biweekly with a 5% 401(k) comes to $2,884.62 gross and $2,148.49 net per paycheck: $55,860.62 of annual take-home pay. Georgia's flat 4.99% tax takes $2,806.88 (on $56,250 of taxable income after the $15,000 standard deduction), federal tax takes $6,845, and Social Security plus Medicare take $5,737.50.
- Georgia's 2026 rate is 4.99%, not 5.39%. House Bill 463, signed May 2026 and retroactive to January 1, cut the flat rate and raised the standard deduction. Most online calculators still show the old number.
- The standard deduction is $15,000 single / $30,000 joint. Georgia taxes only income above that line, so a $75,000 earner pays 4.99% on $56,250, an effective state rate of 3.7%.
- Each dependent takes $5,000 off Georgia taxable income. At the flat 4.99% rate that is $249.50 less state tax per dependent per year. Enter your dependents in the calculator and the deduction is applied before the rate.
- 401(k) contributions reduce Georgia tax too. Georgia starts from federal adjusted gross income, so pre-tax deferrals shrink the state bill, unlike in Pennsylvania.
- There are no local income taxes in Georgia. The state line is the whole state-and-local story, which keeps the math clean.
Georgia's flat tax: how we got to 4.99%
Georgia taxed income through six graduated brackets topping out at 5.75% until the 2024 reform replaced them with a single flat rate. Since then the rate has fallen every year, and the standard deduction has grown with it.
One practical wrinkle from the mid-year signing: employers kept withholding at 5.19% until May 11, 2026 and switched to 4.99% after, so 2026 pay stubs may show a blended withholding rate even though the annual liability uses 4.99%. Georgia also added subtractions for qualified overtime pay and cash tips for 2026 through 2028, mirroring the federal overtime deduction.
What Georgia tax looks like at different salaries
Single filer, 5% 401(k), 2026 rules. Because the rate is flat, the state bill grows in a straight line once income clears the $15,000 standard deduction.
The flat rate is honest but not gentle at lower incomes: a $50,000 earner still pays 4.99% on every dollar above $15,000, while in a graduated state much of that income would sit in lower brackets. The upside is predictability, and the scheduled cuts keep improving the picture. See how the same salary converts to an hourly figure with our annual salary to hourly rate calculator, or compare against a no-tax state with our Texas paycheck calculator.
Dependents: the $5,000 deduction most Georgia calculators skip
For 2026, Georgia allows a $5,000 deduction for each dependent, on top of the standard deduction. The calculator above applies it the way the Georgia Department of Revenue's 2026 Employer's Tax Guide sets it out: Georgia taxable income = salary − pre-tax 401(k) − standard deduction − (dependents × $5,000), and the flat 4.99% rate applies to what is left. The deduction is a Georgia-only benefit; it does not change your federal tax.
The saving is the same at every salary: $5,000 × 4.99% = $249.50 per dependent per year. On an $80,000 salary with no 401(k), a single filer owes $3,243.50 of Georgia tax with no dependents; with one dependent the bill falls to $2,994.00, which is $9.60 more in each biweekly paycheck. A married couple filing jointly on the same $80,000 with two dependents owes $1,996.00. If the deductions ever exceed your income after the standard deduction, Georgia taxable income stops at zero: the extra deduction is unused, not refunded.
What most Georgia pay calculators get wrong
The dominant error right now is the rate itself: a huge share of Georgia paycheck tools still compute 5.39%, which overstates 2026 state tax by 8%. At $75,000 that is a $225 annual error. The second error is the standard deduction: tools using the old $12,000 figure instead of $15,000 overstate taxable income by $3,000. The third is ignoring that Georgia conforms to federal AGI, so 401(k) deferrals reduce the state bill; calculators that apply 4.99% to gross salary overstate the tax. This calculator uses the HB 463 figures end to end: 4.99% on income above the correct standard deduction, after pre-tax deferrals, with the 2026 federal brackets and FICA rules underneath.
Frequently Asked Questions
A flat 4.99% on Georgia taxable income. House Bill 463, signed May 11, 2026 and retroactive to January 1, cut the rate from 5.19% and raised the standard deduction. There are no brackets: one rate applies to all taxable income.
Yes. Until 2024, Georgia used six graduated brackets from 1% to 5.75%. The 2024 reform replaced them with a single flat rate that has fallen every year since: 5.39% in 2024, 5.19% in 2025, and 4.99% in 2026.
$15,000 for single, head of household, and married filing separately; $30,000 for married filing jointly. The dependent deduction rose to $5,000 per dependent for 2026, according to the Georgia Department of Revenue's 2026 Employer's Tax Guide.
Georgia gives a $5,000 deduction per dependent for 2026, on top of the standard deduction, so each dependent cuts your Georgia tax by $249.50 a year at the flat 4.99% rate. Enter the number of dependents in the calculator and the deduction comes off your Georgia taxable income before the rate is applied. It is a state-only deduction: your federal tax does not change.
Employers use Form G-4 and the Department of Revenue withholding tables. Because HB 463 was signed mid-year, employers withheld at 5.19% before May 11, 2026 and 4.99% after, so early-2026 pay stubs may look slightly different from the annual calculation.
No. Georgia cities and counties do not levy their own income taxes, so the state flat tax is the complete state-and-local income tax picture. Property and sales taxes are separate and vary by county.
No. Part-year residents generally owe Georgia tax only on income earned while a resident (plus any Georgia-source income). File as a part-year resident and allocate your income to the months you lived in the state.
That is the plan. Current law schedules 0.125-percentage-point annual cuts toward 3.99%, but each step depends on state revenue targets being met, so cuts can be delayed in a weak revenue year. Before negotiating your next move, run the numbers through our salary raise calculator to see the after-tax effect.
Add This Calculator to Your Website
References
- Georgia Department of Revenue. 2026 Employer's Tax Guide (Updated September 2026). Accessed October 18, 2026.
- Bloomberg Law. Georgia Reduces 2026 Individual Income Tax Rates. Accessed October 18, 2026.
- KPMG. Rev. Proc. 2025-32: Inflation Adjustments for 2026, Individual Taxpayers. Accessed October 18, 2026.
- Internal Revenue Service. Topic No. 751, Social Security and Medicare Withholding Rates. Accessed October 18, 2026.
- Internal Revenue Service. Publication 15 (Circular E), Employer's Tax Guide. Accessed October 18, 2026.
- Internal Revenue Service. Tax Withholding Estimator. Accessed October 18, 2026.
- Internal Revenue Service. One Big Beautiful Bill Provisions. Accessed October 18, 2026.
- Baker Tilly. Understanding the New "No-Tax on Overtime" Deduction Under Code Section 225. Accessed October 18, 2026.
- Tax Foundation. State Individual Income Tax Rates and Brackets, 2026. Accessed October 18, 2026.
- State of Georgia. House Bill 463 (As Passed House and Senate), Georgia Economic Growth and Tax Relief Act of 2026. Accessed October 25, 2026.