Georgia’s flat income tax rate currently sits at 5.19%, and further reductions are already moving through the legislature for 2026. That single number determines a significant chunk of your take-home pay; the rest comes down to federal withholding, FICA, and any pre-tax deductions you’ve set up. Enter your salary in this Georgia paycheck calculator to get a state-specific breakdown.

Quick version: The Georgia paycheck calculator estimates your net pay after federal income tax, Georgia’s 5.19% flat state tax, Social Security (6.2% on earnings up to $184,500), and Medicare (1.45% with no cap). Georgia has zero local income taxes, which keeps the calculation simpler than states like Ohio or Pennsylvania. A $75,000 salary in Georgia, filed Single with no pre-tax deductions, leaves roughly $2,243 per bi-weekly paycheck after all withholdings. The state offers a $12,000 standard deduction for single filers ($24,000 for married couples filing jointly) and a $4,000 exemption per qualifying dependent. Adjust the inputs above to match your actual filing status and deductions.

Part of: Paycheck Calculator: Take-Home Pay Tool

This calculator provides estimates for educational purposes. It is not tax advice. Consult a tax professional for your specific situation.

How to Use This Calculator

Enter your annual gross salary, then select your pay frequency (weekly, bi-weekly, semi-monthly, monthly, or annual). Choose your filing status: Single, Married Filing Jointly, or Head of Household. The State dropdown defaults to Georgia, applying the current 5.19% flat rate with the $12,000 standard deduction for single filers.

If you contribute to a retirement plan, set your 401(k) as a percentage (the 2026 limit is $24,500 for those under 50, or $32,500 if you’re 50 or older) and enter your monthly health insurance premium if deducted pre-tax. The calculator returns your net take-home pay per period, a breakdown of federal tax, state tax, Social Security, and Medicare, plus a donut chart showing the split. One thing to flag: this tool does not factor in the Georgia dependent exemption ($4,000 per qualifying dependent) or specific W-4 adjustments. For most W-2 employees with no dependents, the estimate will land within a few dollars of your actual paycheck.

Understanding Your Georgia Paycheck

Georgia applies a flat income tax rate of 5.19% to all taxable income, regardless of how much you earn or how you file. Unlike progressive-rate states where your top dollar gets taxed at a higher percentage than your first dollar, Georgia’s flat structure means every taxable dollar costs the same 5.19 cents in state tax. That puts Georgia in the middle of the pack among states with income taxes: lower than California’s 13.3% top rate, higher than North Carolina’s 3.99% flat rate.

Unlike Ohio, Indiana, or Maryland, Georgia has no local or municipal income taxes. Your paycheck deductions in Georgia come from three layers: federal income tax (based on your bracket), state income tax at that flat 5.19% rate, and FICA contributions for Social Security and Medicare. The flat rate simplifies estimation: multiply your Georgia taxable income by 0.0519 and you have your annual state tax bill.

Georgia’s standard deduction is $12,000 for single filers and $24,000 for married couples filing jointly. The state also provides a $4,000 exemption per qualifying dependent, which reduces your state taxable income before the 5.19% rate applies. Note that Georgia eliminated the personal exemption for the taxpayer and spouse starting in 2024; the $4,000 deduction applies only to dependents.

Here’s what that means for your paycheck. A single filer earning $75,000 with no dependents has a Georgia taxable income of $63,000 ($75,000 minus the $12,000 standard deduction). State tax: $63,000 × 5.19% = $3,270 for the year, or roughly $126 per bi-weekly paycheck.

Run the same $75,000 through the Florida paycheck calculator and the state tax line reads $0. That’s a $3,270 annual difference, or about $126 more per bi-weekly check in Florida.

The gap shrinks if you account for Florida’s higher property taxes and sales tax rates, but on a pure paycheck basis, the difference is measurable.

Georgia Income Tax Rates 2026

Georgia transitioned from a six-bracket progressive system (with rates from 1% to 5.75%) to a flat tax structure in 2024, and the rate has already dropped twice since that shift. The pace of change matters for anyone calculating their Georgia paycheck: the rate you were taxed at last year may not be the rate you pay this year.

In 2022, Georgia enacted House Bill 1437, setting the initial flat rate at 5.49%. Then House Bill 1015 in 2024 dropped it to 5.39%. House Bill 111, signed in April 2025, brought it down to 5.19% retroactive to January 1, 2025. Under current law, the rate is scheduled to decrease by 0.10% per year (if state revenue targets are met) until it reaches 4.99%. Georgia’s income tax is heading in one direction: down.

Rate History

Important note on the 2026 rate: The Georgia Department of Revenue’s 2026 Employer’s Tax Guide, published in December 2025, states: “The income tax rate remains a flat rate of 5.19%. Employers must withhold at the rate of 5.19%.” This calculator uses the 5.19% rate because that is the rate employers are currently withholding from paychecks.

However, House Bill 1001, which would reduce the rate to 4.99% retroactive to January 1, 2026, passed the Georgia House on February 25, 2026 (106–66 vote), was favorably reported by the Senate Finance Committee on March 18, and had its Senate second reading on March 19. Governor Kemp has publicly supported this bill. If HB 1001 is signed into law before Sine Die on April 2, 2026, employers will need to update withholding, and any over-withholding at 5.19% will be reconciled when you file your Georgia return. The difference on a $75,000 salary (after the $12,000 standard deduction) is $126 per year, or about $4.85 per bi-weekly paycheck.

Pending Legislation

Multiple tax bills are moving through the 2026 Georgia legislative session, with Sine Die scheduled for April 2, 2026:

HB 1001 — Governor Kemp’s preferred bill. Would immediately reduce the personal and corporate income tax rate from 5.19% to 4.99%, retroactive to January 1, 2026. Passed the House February 25; favorably reported by Senate Finance March 18; Senate second reading March 19. Expected to reach the full Senate floor before Sine Die.

HB 880 — Would lower the terminal rate floor from 4.99% to 3.99%, increase the standard deduction to $18,000 single / $36,000 MFJ, and raise the dependent exemption from $4,000 to $6,000, all phased in starting 2027 pending revenue targets. Passed the House March 6; read in Senate March 9.

SB 476 / HB 134 — The most aggressive proposal. Would increase the standard deduction to $50,000 single / $100,000 MFJ and reduce the rate to 4.99%, with a long-term goal of fully eliminating the personal income tax by 2032. Would repeal many corporate tax credits to fund the revenue loss. Passed the Senate February 12; now in the House.

SB 477 / HB 463 — Would increase the standard deduction to $15,000 single / $32,000 MFJ starting 2027, and reduce the rate to 4.99% in 2026, then 4.49% in 2027, and 3.99% in 2028. Passed the Senate February 12; now in the House.

HB 1000 — Signed by Governor Kemp on March 20, 2026. Authorizes a one-time income tax rebate of up to $250 (single), $375 (head of household), or $500 (married filing jointly) for taxpayers who filed returns for both 2024 and 2025.

One calculation most people skip: the difference between 5.19% and 4.99% on a $75,000 salary (after the $12,000 standard deduction) is $126 per year. Not life-changing, but $126 is $126. And the jump from 5.19% down to 3.99% — if HB 880 or SB 477 eventually pass — would save $756 annually on that same income.

Federal Tax Brackets 2026

Your Georgia paycheck starts with federal withholding, which typically takes the biggest bite. While Georgia’s flat 5.19% rate applies uniformly, federal income tax uses a progressive bracket system where each slice of income gets taxed at a different rate. The 2026 brackets were updated under IRS Revenue Procedure 2025-32 following the One Big Beautiful Bill Act (signed July 4, 2025), which also raised the federal standard deduction to $16,100 for single filers and $32,200 for married couples filing jointly.

That deduction comes off your gross income before any bracket applies. For a Georgia resident earning $75,000, the interaction between federal brackets and the state’s flat rate means roughly 22% of gross pay goes to some form of tax or payroll deduction. Understanding which bracket you fall into is the first step to checking whether your paycheck withholding is accurate.

On a $75,000 salary filing Single, your federal taxable income is $58,900 ($75,000 minus $16,100 standard deduction). Federal tax works out to roughly $7,670 for the year: 10% on the first $12,400 ($1,240), then 12% on the next $38,000 ($4,560), then 22% on the remaining $8,500 ($1,870). Your marginal rate is 22%, but your effective federal rate is closer to 10.2%.

A common mistake: thinking a 22% bracket means 22% of your entire income goes to federal taxes. It does not. Only the dollars above $50,400 (for single filers) get taxed at 22%. For a deeper breakdown and to model different scenarios, use the main paycheck calculator.

FICA: Social Security and Medicare

Every paycheck includes two federal payroll taxes that exist outside the income tax system: Social Security and Medicare. Together they are called FICA (Federal Insurance Contributions Act), and they apply to every W-2 worker in Georgia regardless of filing status or income level. These are fixed-rate deductions that your employer matches dollar for dollar, meaning the total FICA cost on your labor is actually double what you see on your pay stub.

Social Security takes 6.2% of your gross earnings up to a cap of $184,500 in 2026 (up from $176,100 in 2025). Once you hit that threshold, the deduction stops for the rest of the year. The maximum an employee pays in Social Security tax for 2026 is $11,439 ($184,500 × 6.2%). Medicare takes 1.45% on all earnings with no cap. If your income exceeds $200,000 as a single filer (or $250,000 married filing jointly), an additional 0.9% Medicare surtax kicks in on every dollar above that threshold; your employer does not match this extra 0.9%. See IRS Topic 751 for details.

Combined, the base FICA rate is 7.65% on earnings up to $184,500. On a $75,000 salary: Social Security costs $4,650 per year ($179 per bi-weekly check), and Medicare costs $1,088 ($42 per bi-weekly check). Total FICA: $5,738, or $221 out of each bi-weekly paycheck.

FAQ

How much tax is taken out of my paycheck in Georgia?

Georgia residents pay federal income tax (based on 2026 brackets), a flat state income tax of 5.19%, and FICA (7.65%). On a $75,000 salary filing Single with no dependents and no pre-tax deductions, total withholdings are roughly $16,678 per year: about $7,670 federal, $3,270 Georgia state, and $5,738 in Social Security and Medicare combined. That leaves approximately $58,322 in annual take-home pay, or $2,243 per bi-weekly paycheck. Your exact figure depends on your W-4 settings, dependent exemptions, and any pre-tax deductions like a 401(k) or health insurance. Check the paycheck calculator for your specific inputs.

What is the Georgia income tax rate for 2026?

The official withholding rate for 2026 is 5.19% flat, per the Georgia DOR 2026 Employer’s Tax Guide. However, HB 1001, which would lower the rate to 4.99% retroactive to January 1, 2026, passed the Georgia House on February 25 and cleared the Senate Finance Committee on March 18. Governor Kemp supports the bill. If signed before Sine Die (April 2, 2026), the effective 2026 rate will be 4.99%, and any excess withholding at 5.19% will be reconciled when you file your Georgia return. Additionally, HB 880 would continue lowering the rate to 3.99% over the coming years. Check the Georgia Department of Revenue for the latest updates.

Does Georgia have local income tax?

No. Georgia has no city, county, or municipal income taxes. This sets it apart from neighboring states: Ohio has municipal taxes in cities like Columbus and Cleveland, Maryland adds mandatory county piggyback taxes, and North Carolina’s paycheck calculator shows a simpler picture because it also has no local taxes (though NC’s flat rate of 3.99% is lower than Georgia’s).

How much is $50,000 a year after taxes in Georgia?

Filing Single with no dependents and no pre-tax deductions, a $50,000 salary in Georgia yields roughly $40,383 in annual take-home pay. The breakdown: about $3,820 in federal tax, $1,972 in Georgia state tax ($50,000 minus $12,000 standard deduction, times 5.19%), and $3,825 in FICA. That works out to approximately $1,553 per bi-weekly paycheck.

How much is $100,000 a year after taxes in Georgia?

On $100,000 filing Single with no dependents and no deductions, your estimated annual take-home is roughly $74,613. Federal tax runs about $13,170 (you reach the 22% bracket), Georgia state tax is $4,567 ($100,000 minus $12,000, times 5.19%), and FICA totals $7,650. Bi-weekly take-home: about $2,870. Adding a 6% 401(k) contribution ($6,000/year) drops your taxable income and saves you roughly $1,320 in federal tax and $311 in state tax, but reduces your bi-weekly paycheck by about $168. If you own a home in Georgia, the HELOC payment calculator can help estimate a home equity line of credit.

How much is $20 an hour after taxes in Georgia?

At $20 per hour working 40 hours a week (52 weeks), your gross annual income is $41,600. After federal tax of roughly $2,812, Georgia state tax of $1,536, and FICA of $3,182, your net take-home is approximately $34,070 per year. That’s about $1,310 per bi-weekly paycheck, or $655 per weekly paycheck.

What is the minimum wage in Georgia?

Georgia’s state minimum wage is $5.15 per hour, one of the lowest in the country. However, most Georgia employers are covered by the federal Fair Labor Standards Act (FLSA), which sets the effective minimum wage at $7.25 per hour for covered workers. The federal rate has not changed since 2009. To see what different jobs actually pay, check salaries by profession.

Is overtime taxed at a higher rate in Georgia?

No. Overtime pay gets taxed at the same rates as regular income. The confusion comes from how payroll systems work: when you earn overtime in a single pay period, your employer’s withholding software projects that higher paycheck across the whole year, which can push you into a higher withholding bracket for that one check. Your actual tax rate at year-end stays the same. Run the numbers yourself using the calculator above.

How does Georgia’s take-home pay compare to Florida or Texas?

Florida and Texas have no state income tax. On a $75,000 salary, a Georgia resident pays roughly $3,270 more in state taxes per year than someone in Florida or Texas. That’s $126 per bi-weekly paycheck. The federal and FICA portions are identical across all three states. Whether the gap matters depends on what you value: Georgia has a lower cost of living than many Florida metros and different property tax structures. To see what different jobs pay before taxes, check salaries by profession.

How does Georgia compare to North Carolina?

Both states use a flat income tax, but North Carolina’s rate is 3.99% compared to Georgia’s 5.19%. On a $75,000 salary (single, no dependents, no deductions), Georgia state tax is $3,270 while North Carolina state tax is about $2,486 ($75,000 minus $12,750 NC standard deduction, times 3.99%). That’s roughly $784 more per year in Georgia, or about $30 per bi-weekly paycheck.

Key Takeaways

Georgia’s flat 5.19% income tax and absence of local income taxes make paycheck estimation straightforward. Federal income tax (10–37%) and FICA (7.65%) apply the same way in every state. On a $75,000 salary filed Single, your total deductions are about $16,678 per year, leaving $58,322 in take-home pay. Pre-tax 401(k) contributions reduce both federal and state tax simultaneously: a 6% contribution on $100,000 saves roughly $1,631 per year. Keep an eye on HB 1001 — if signed, the 2026 Georgia rate drops to 4.99% retroactively, saving $126 per year on that same $75,000 salary. For longer-term planning, HB 880 could push the rate down to 3.99% over the next several years. Use the Georgia paycheck calculator whenever your income, filing status, or deductions change.

Sources

Figures in this article are based on:

• IRS Revenue Procedure 2025-32 and the One Big Beautiful Bill Act (July 4, 2025) for 2026 federal tax brackets and standard deductions ($16,100 single / $32,200 MFJ)
• Georgia DOR 2026 Employer’s Tax Guide (December 2025) for the current 5.19% withholding rate, standard deductions ($12,000 / $24,000), and dependent exemption ($4,000)
• Georgia Code § 48-7-26 (2026 Edition) for personal exemption structure ($4,000 per dependent only)
• Georgia HB 1437 (2022), HB 1015 (2024), and HB 111 (2025) for the flat income tax rate schedule and revenue-trigger reduction mechanism
• HB 1001, HB 880, SB 476, and SB 477 for pending 2026 legislation
• Governor Kemp’s March 20, 2026 press release for HB 1000 (one-time rebate) and HB 1199 (IRC conformity / gas tax suspension)
• Eversheds Sutherland, “Georgia’s 2026 Legislative Session” (March 11, 2026)
• Tax Foundation, “State Individual Income Tax Rates and Brackets, 2026” (February 2026) for cross-state comparisons
• Social Security Administration for the 2026 wage base ($184,500) and FICA rates (6.2% SS / 1.45% Medicare)
• IRS Topic 751 for Additional Medicare Tax thresholds ($200,000 single / $250,000 MFJ)
• IRS Notice 2025-67 for 2026 401(k) contribution limits ($24,500 under 50 / $32,500 age 50+ / $35,750 ages 60–63)
• Georgia Department of Labor for minimum wage ($5.15 state / $7.25 federal FLSA)

Tax rates change annually. This article reflects data available as of March 29, 2026. Check the Georgia Department of Revenue at dor.georgia.gov for the latest withholding tables. For a breakdown of all 50 states, see the free paycheck calculator or return to this Georgia paycheck calculator when rates change.

Jordan Wells

This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.