Estimate your Georgia take-home pay instantly — free, no signup, updated for 2026. Flat 4.99% income tax (2026 under HB 1015; 5.19% in 2025).
In Georgia, take-home pay equals gross wages minus federal income tax, Georgia's flat 4.99% state income tax for 2026 (O.C.G.A. § 48-7-20, reduced from 5.19% in 2025 under HB 1015, withheld per Form G-4 with the Georgia Department of Revenue — 2026 standard deduction $12,000 single / $24,000 MFJ), 6.2% Social Security (up to the $184,500 wage base in 2026), and 1.45% Medicare (+0.9% above $200,000). No Georgia city or county — Atlanta, Savannah, Augusta, Columbus, Athens, Macon — imposes a local wage tax. On a $75,000 salary, a single Georgia filer nets roughly $57,850 per year (~$2,225 biweekly, ~$2,410 semimonthly, ~$4,821 monthly); a $50,000 salary nets about $39,860/yr, and $100,000 nets about $74,190/yr. Adjust filing status, G-4 allowances, and 401(k)/HSA pre-tax contributions in the calculator below for a personalized Georgia take-home estimate.
Georgia's HB 1015 (O.C.G.A. § 48-7-20) accelerated the state's move to a flat individual income tax and phased the rate down year by year. The two rates that matter for a paycheck you're running today:
| Tax year | Flat state rate | Applies to |
|---|---|---|
| 2025 | 5.19% | Wages paid Jan 1 – Dec 31, 2025; used on your 2025 Georgia Form 500. |
| 2026 | 4.99% (current) | Wages paid on/after Jan 1, 2026; drives the calculator on this page. |
Both years use the same standard deduction ($12,000 single / $24,000 MFJ) and the same G-4 withholding form. Georgia has no city or county wage tax in any year, so the rate above is the only state-level line on your paycheck.
Source: Georgia House Bill 1015 (2024 Reg. Sess.), signed by Gov. Brian Kemp on April 18, 2024, amending O.C.G.A. § 48-7-20. HB 1015 reduced the flat individual income tax rate from 5.39% to 5.19% for tax year 2025 and further to 4.99% for tax year 2026, accelerating the schedule originally set by HB 1437 (2022). Confirmed by the Georgia Department of Revenue Employer's Tax Guide and 2026 withholding tables.
Georgia's flat rate (5.19% for 2025, 4.99% for 2026) is applied to Georgia taxable income, not to your gross pay. On a paycheck, the state withholding line is computed roughly as:
Included in the base the 4.99% is applied to
Excluded before the 4.99% is applied
Credits are applied after the 4.99%, not before
Georgia nonrefundable credits — Low-Income Credit, Qualified Education Expense Credit, Rural Hospital Credit, film and job tax credits — reduce your calculated tax on the annual Form 500, not the withholding base. Your paycheck calculator therefore shows the pre-credit withholding, which is why refunds are common when you file. Use G-4 Line 6 to lower withholding only if you're certain about the credit; over-claiming triggers a balance due plus interest.
Employers annualize the calculation each pay period per the Georgia Employer's Tax Guide (Percentage Method), then divide by the number of pay periods. The calculator on this page follows that same method for 2026 under HB 1015.
Your salary is below the Georgia median. Negotiating a raise, switching roles, or relocating can help close the gap.
US State Paycheck Calculator · usstatepaycheckcalculator.com · Generated August 12, 2026
| Gross pay | $65,000.00 / annual |
| Pay type | Salary |
| State | Georgia |
| Filing status | Single |
| Allowances | 0 |
| 401(k) contribution | — |
| Health (pre-tax / period) | — |
| HSA (pre-tax / period) | — |
| Other pre-tax / period | — |
| Line item | Per annual | Annual |
|---|---|---|
| Gross pay | $65,000.00 | $65,000 |
| Federal income tax | −$5,620.00 | −$5,620 |
| State income tax | −$3,243.50 | −$3,244 |
| Social Security (6.2%) | −$4,030.00 | −$4,030 |
| Medicare (1.45% + 0.9% over threshold) | −$942.50 | −$943 |
| Pre-tax deductions | −$0.00 | −$0 |
| Net take-home | $51,164.00 | $51,164 |
Effective tax rate: 21.3% · Marginal federal: 12%
Estimate only — not tax or payroll advice. Based on 2026 IRS federal brackets, FICA rates (Social Security wage base $184,500), and the selected state's published tax rules. Excludes itemized deductions, household credits, local/city/county taxes, employee-paid SUI/SDI, garnishments, post-tax benefits, equity compensation, and bonus/special supplemental withholding.
These are the exact rules and constants used to produce your results — the same content included in the PDF report.
A quick snapshot of which tax categories are actually applied to your current inputs — and which are intentionally excluded.
See the full excluded list — with per-item explanations — in "What's not modeled" below.
Review the deductions, credits, and exemptions this estimator intentionally excludes — so you know what to double-check before relying on the numbers or downloading the PDF.
| Line item | Per annual paycheck | Annual |
|---|---|---|
| Gross wages | $65,000.00 | $65,000 |
| Federal income tax | ||
Federal income tax (IRS brackets) Marginal bracket 12% · 2026 IRS Rev. Proc. 2025-32 | −$5,620.00 | −$5,620 |
| FICA payroll taxes | ||
Social Security (6.2%) 6.2% of FICA wages, up to $184,500 cap | −$4,030.00 | −$4,030 |
Medicare (1.45%) No wage cap — applies to every dollar of FICA wages | −$942.50 | −$943 |
Additional Medicare (0.9%) Not applicable — kicks in over $200,000 for Single | −$0.00 | −$0 |
| Total FICA | $4,972.50 | $4,973 |
| State income tax | ||
Georgia state income tax Flat 4.99% on taxable wages | −$3,243.50 | −$3,244 |
| Total withholding | ||
| Total taxes + deductions | $13,836.00 | $13,836 |
| Net take-home pay | $51,164.00 | $51,164 |
Calculated using 2026 IRS federal brackets (Rev. Proc. 2025-32), the $184,500 Social Security wage base, a $16,100 standard deduction for Single, and the Georgia 2026 state tax rules. Pre-tax 401(k) reduces federal taxable wages but is still subject to FICA; health and HSA contributions reduce both federal and FICA wages. Estimate only — not tax advice.
Estimated Georgia take-home pay at four salary levels for each filing status. Assumes no pre-tax deductions (401(k), HSA, health), zero G-4 dependent allowances, and 2026 federal brackets, Georgia's flat 4.99% state income tax under HB 1015 (O.C.G.A. § 48-7-20) with the $12,000 single / $24,000 MFJ standard deduction, and FICA (6.2% Social Security up to the $184,500 wage base + 1.45% Medicare). Georgia has no city or county wage tax, so results are identical for Atlanta, Savannah, Augusta, Columbus, Athens and Macon residents.
$40,000
Single
$40,000
Married (MFJ)
$50,000
Single
$50,000
Married (MFJ)
$75,000
Single
$75,000
Married (MFJ)
$100,000
Single
$100,000
Married (MFJ)
$150,000
Single
$150,000
Married (MFJ)
$200,000
Single
$200,000
Married (MFJ)
$250,000
Single
$250,000
Married (MFJ)
Figures are estimates for 2026 using standard deduction only. Actual Georgia take-home depends on G-4 marital-status letter (A/B/C/D/E), Line 4 dependent allowances, Line 5 additional allowances, Line 6 extra withholding, and pre-tax deductions (401(k), HSA, Section 125 health premiums). Semi-monthly figures use 24 pay periods; a semi-monthly paycheck is slightly larger than biweekly because there are two fewer pay periods per year.
Drag the slider to see take-home pay at any gross between $20,000 and $300,000. Same assumptions as the table above.
For a full breakdown with 401(k), HSA, health premiums, and G-4 Line 6 additional withholding, open the Georgia paycheck calculator.
Georgia workers file two withholding forms: federal Form W-4 for IRS income tax and Georgia Form G-4 for the state's flat 4.99% tax under HB 1015. The tips below match the exact inputs used in the worked examples so you can adjust one line at a time and see the effect in the calculator.
Full input list and rounding rules are in the Georgia assumptions & disclaimer section below.
Every number in the Georgia paycheck examples and G-4 scenarios above is an estimate that assumes the exact inputs below. Change any of these in the Georgia paycheck calculator for a personalized result.
| Input | Assumed value |
|---|---|
| Tax year | 2026 (HB 1015 flat 4.99% Georgia state income tax; O.C.G.A. § 48-7-20) |
| Filing status | Shown for both Single and Married Filing Jointly (MFJ) in separate rows. MFS and Head of Household not shown. |
| Pay frequency | Biweekly (26 pay periods/yr) and semi-monthly (24 pay periods/yr). Weekly and monthly can be derived by dividing the annual net by 52 or 12. |
| Federal Form W-4 | 2020+ W-4, Step 2 unchecked, no dependents, no other income, no deductions, and no extra withholding on Step 4(c). |
| Georgia Form G-4 | Marital A for Single rows and C for MFJ rows, 0 dependent allowances on Lines 4 and 5, and Line 6 additional withholding = $0 (unless a scenario explicitly overrides it). |
| Deductions used | Federal and Georgia standard deduction only ($12,000 single / $24,000 MFJ for Georgia in 2026). No itemized deductions, no credits. |
| Pre-tax deductions | None. No 401(k)/403(b), no HSA/FSA, no Section 125 health/dental/vision premiums. Adding any of these lowers both federal and Georgia taxable wages and raises take-home. |
| Post-tax deductions | None (no Roth 401(k), garnishments, union dues, or voluntary after-tax benefits). |
| FICA | Social Security 6.2% up to the 2026 wage base and Medicare 1.45% on all wages. Additional Medicare 0.9% only applies above $200k single / $250k MFJ — not triggered at the salary levels shown. |
| Local wage tax | $0. No Georgia city or county levies a wage income tax — Atlanta, Savannah, Augusta, Columbus, Athens, and Macon results are identical. |
| Residency | Georgia resident working in Georgia (no multi-state or reciprocity adjustments). |
| Rounding | Per-paycheck amounts rounded to the nearest dollar; annual totals rounded to the nearest $100 for readability. |
Disclaimer: Figures are estimates for educational use, not tax advice. Actual Georgia withholding depends on your signed Form G-4, your employer's payroll software (Publication 15-T method vs. GA Employer Withholding Tax Guide tables), mid-year pay changes, bonuses, imputed income, and any pre-tax benefits. Confirm your withholding with a CPA or the Georgia Department of Revenue before making financial decisions.
Three common Georgia filing situations, each shown biweekly (26 pay periods) at the 2026 flat 4.99% state rate under HB 1015. Because Georgia is flat, every extra dollar you put on Form G-4 Line 6 comes out of that paycheck 1-for-1 as additional Georgia state withholding — no compounding, no bracket bumps.
Single filer, $60,000/yr, one job, no side income
G-4 setup: Marital A · 0 dependent allowances · Line 6 = $0
Baseline paycheck. Withholding tables and GA's flat 4.99% rate typically leave a small refund at filing with no Line 6 add-on.
MFJ household, spouse A $80,000 + spouse B $50,000 (combined $130,000)
G-4 setup: Each spouse marks Marital B on their own G-4; higher earner adds Line 6 = $50/biweekly
Marital B on both G-4s already assumes two earners, but the joint bracket still under-withholds ~$1,300/yr. Line 6 = $50 biweekly on the higher earner closes the gap and prevents an April balance due.
Single filer, $75,000 W-2 + $10,000 1099 side income, claims 2 allowances
G-4 setup: Marital A · Line 4 = 2 allowances · Line 6 = $19/biweekly
Two G-4 allowances give back ~$300/yr in take-home ($3,000 × 2 × 4.99%). The Line 6 add-on ($19 × 26 ≈ $494) covers the extra GA tax on $10k of 1099 income (10,000 × 4.99% ≈ $499) — no quarterly estimates needed.
Figures use 2026 federal brackets, the $184,500 Social Security wage base, and Georgia's HB 1015 flat 4.99% state rate with the standard deduction ($12,000 single / $24,000 MFJ). Line 6 amounts are illustrative — enter your own numbers in the calculator above to model your exact G-4 setup.
Everything you need to know about Georgia's Employee's Withholding Allowance Certificate (Form G-4), what each line changes on your paycheck, and how additional withholding (Line 6) affects take-home pay for 2026.
| State Income Tax | Flat 4.99% |
| Federal Brackets | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
| Social Security | 6.2% up to $184,500 |
| Medicare | 1.45% (+0.9% above $200,000) |
| Standard Deduction (single) | $15,000 |
Flat 4.99% income tax (2026 under HB 1015; 5.19% in 2025).
Single filer, no pre-tax deductions, 2026 rates.
| Annual | Federal | GA State | Net Biweekly | Net Annual |
|---|---|---|---|---|
| $35,000 | $2,020 | $1,747 | $1,098 | $28,556 |
| $50,000 | $3,820 | $2,495 | $1,533 | $39,860 |
| $75,000 | $7,670 | $3,743 | $2,225 | $57,850 |
| $100,000 | $13,170 | $4,990 | $2,853 | $74,190 |
| $150,000 | $24,734 | $7,485 | $4,089 | $106,306 |
Bordering Georgia — compare take-home pay across state lines.
States you visit will appear here for quick access.
Enter gross pay — your salary or hourly wage before any taxes or deductions come out. The calculator does the pre-tax math for you; do not subtract your 401(k), HSA, or health premiums first. The 2026 engine then runs the same six-step pipeline for every Georgia paycheck:
Results are estimates for 2026 W-2 wages and are not a substitute for Form W-4, your Georgia withholding certificate, or advice from a licensed tax professional.
Keep exploring Georgia paycheck math with related calculators from US State Paycheck Calculator:
