Use this free Georgia paycheck calculator to see your 2026 take-home pay from a salary or an hourly wage. It shows every deduction: federal income tax, the new 4.99% flat Georgia income tax, Social Security and Medicare, per paycheck and per year, for Atlanta and everywhere else in Georgia.
How Georgia Paycheck Taxes Work: 2026 Guide
Updated for 2026. Under HB 463, Georgia cut its flat income tax rate from 5.19% to 4.99% for 2026, raised the standard deduction to $15,000 ($30,000 for married couples filing jointly) and the dependent deduction to $5,000, and created new state exclusions for up to $1,750 of tips and $1,750 of overtime. Every figure on this page comes from the Georgia Department of Revenue, the IRS or SSA.
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How your Georgia paycheck is calculated
Georgia has one flat state income tax and no local income tax or state payroll programs. Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Georgia taxes, takes after-tax deductions and pays you the rest.
- Gross paySalary, or hours × rate, plus overtime, bonuses and tips
- Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
- TaxesFederal income tax, 4.99% Georgia tax, Social Security and Medicare
- After-tax deductionsRoth 401(k), union dues, garnishments
- Net payThe take-home amount paid to you
What is taken out of a Georgia paycheck in 2026
| Deduction | 2026 rate | Applies to |
|---|---|---|
| Federal income tax | 10% to 37% by bracket | Taxable wages after the federal standard deduction |
| Georgia income tax | 4.99% flat (5.19% in 2025) | Federal adjusted gross income minus the Georgia standard and dependent deductions |
| Social Security | 6.2% | Wages up to $184,500 |
| Medicare | 1.45%, plus 0.9% over $200,000 | All wages |
| Local income tax | None | No Georgia city or county taxes wages |
| State disability, paid leave or unemployment | None | Paid by employers only |
Georgia income tax rate and deductions for 2026
Georgia replaced its old brackets with a single flat rate in 2024. HB 463, signed in 2026, cut the rate to 4.99% for all of 2026 and raised the deductions (Georgia Department of Revenue). Further cuts toward 3.99% are planned in later years if state revenue targets are met.
| Item | 2025 | 2026 |
|---|---|---|
| Flat income tax rate | 5.19% | 4.99% |
| Standard deduction: single, head of household, married filing separately | $12,000 | $15,000 |
| Standard deduction: married filing jointly | $24,000 | $30,000 |
| Dependent deduction, each | $4,000 | $5,000 |
| Extra deduction at 65 or older, or blind | $1,300 | $1,300 |
| Cash tips excluded | None | Up to $1,750 |
| Overtime excluded (full-time hourly workers) | None | Up to $1,750 |
Georgia starts from your federal adjusted gross income, so 401(k) contributions, health premiums, HSA and FSA contributions lower your Georgia tax too. A single filer earning $100,000 has $85,000 of Georgia taxable income after the $15,000 standard deduction. The tax is 4.99% of that, or $4,242, about 4.2% of gross pay. Under the 2025 rules the same salary paid $4,567, so the changes are worth about $326 a year on a $100,000 salary.
The 2026 mid-year withholding change
Because HB 463 passed partway through the year, employers kept withholding at 5.19% until the new 4.99% rate was put in place. Employers could start using 4.99% on May 11, 2026, and many payroll providers switched on July 1, 2026. Until then, withholding also used the old, smaller deductions, and the tips and overtime exclusions are never applied through payroll. So most Georgia workers have more tax withheld for 2026 than they owe and will get the difference back as a refund when they file. This calculator shows your real tax for the full year.
Georgia tips and overtime exclusions
From 2026 to 2028, Georgia lets you subtract up to $1,750 of qualified cash tips and up to $1,750 of qualified overtime pay from your Georgia income (Paylocity summary of HB 463). The overtime exclusion is for full-time employees paid by the hour. You claim both on your Georgia return; your employer keeps withholding as normal. The calculator applies the overtime exclusion when you choose Hourly Wage as your pay type. These are much smaller than the federal deductions of up to $25,000 for tips and $12,500 for overtime, which lower federal tax only.
Federal taxes on every Georgia paycheck
Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).
- Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
- Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.
Take-home pay examples in Georgia for 2026
These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:
| Salary | Federal tax | Georgia tax | Social Security + Medicare | Take-home per year | Per month | Total tax rate |
|---|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,747 | $3,825 | $40,609 | $3,384 | 18.8% |
| $60,000 | $5,020 | $2,246 | $4,590 | $48,145 | $4,012 | 19.8% |
| $75,000 | $7,670 | $2,994 | $5,738 | $58,599 | $4,883 | 21.9% |
| $100,000 | $13,170 | $4,242 | $7,650 | $74,939 | $6,245 | 25.1% |
| $150,000 | $24,734 | $6,737 | $11,475 | $107,055 | $8,921 | 28.6% |
| $200,000 | $36,734 | $9,232 | $14,339 | $139,696 | $11,641 | 30.2% |
A married couple filing jointly on $150,000 of combined pay takes home about $117,197 a year (21.9% in total taxes). With two children under 17, a couple earning $100,000 takes home about $86,116. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $42,116 a year, or $3,510 a month.
Where a $75,000 Georgia salary goes in 2026
Single filer, no pre-tax deductions, yearly amounts
Source: Digicalcy calculation using 2026 IRS, SSA and Georgia Department of Revenue rates.
Georgia take-home pay compared with other states
Take-home pay on a $100,000 salary in 2026
Single filer, no pre-tax deductions, yearly amounts
Figures from our Florida, Illinois, New York and California paycheck calculators.
Moving between Georgia and Florida makes the biggest difference: on $100,000, a Florida worker keeps about $4,242 more a year because Florida has no state income tax.
Paychecks in Atlanta, Savannah and Augusta
No Georgia city or county taxes wages, so the same salary gives the same take-home pay in Atlanta, Savannah, Augusta and anywhere else in the state. What differs is pay levels and living costs, including local sales taxes added to the 4% state rate.
How bonuses, overtime and tips are taxed in Georgia
- Bonuses: Employers usually withhold a flat 22% federal tax on bonuses, and Georgia tax at the flat rate in effect when the bonus is paid (5.19% before May 11, 2026 and 4.99% after). Your real tax is settled when you file. On a $100,000 salary you keep about $6,536 of a $10,000 bonus. See the bonus tax calculator.
- Overtime: Georgia follows federal law: 1.5 times your regular rate for hours over 40 in a workweek. Full-time hourly workers can exclude up to $1,750 of overtime from Georgia income for 2026 to 2028. See the overtime calculator.
- Tips: Up to $1,750 of cash tips is excluded from Georgia income for 2026 to 2028, and up to $25,000 is deductible federally. Social Security and Medicare apply to all tips.
How pre-tax deductions lower your Georgia taxes
| Deduction | Federal income tax | Georgia income tax | Social Security and Medicare |
|---|---|---|---|
| Traditional 401(k), 403(b), 457 | Lowers | Lowers | No change |
| Health, dental and vision premiums | Lowers | Lowers | Lowers |
| HSA through payroll | Lowers | Lowers | Lowers |
| Health and dependent care FSA | Lowers | Lowers | Lowers |
| Transit and parking benefits | Lowers | Lowers | Lowers |
A $10,000 401(k) contribution on a $100,000 Georgia salary
Single filer, 2026, yearly amounts
The contribution saves $2,699 in income tax, so take-home pay falls by only $7,301.
Salary or hourly pay in Georgia
For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Georgia's own minimum wage is only $5.15 an hour, but almost all employers are covered by the federal minimum wage of $7.25 (U.S. Department of Labor), which is $15,080 a year full time. Tipped workers can be paid a cash wage of $2.13 an hour if tips make up the rest. Salaried employees exempt from overtime must generally earn at least $684 a week under federal law. Georgia has no state law on when a final paycheck must be paid; employers usually pay it on the next regular payday.
Why your actual paycheck may differ from this estimate
- This calculator estimates your tax for the full year. Employers withhold using the IRS and Georgia withholding tables and your W-4 and G-4, so each check can be a little higher or lower.
- In 2026 most employers withheld Georgia tax at 5.19% for part of the year, and Georgia withholding does not apply the new tips and overtime exclusions, so many workers will get a refund.
- Georgia credits such as the low-income credit and the child tax credit for young children are claimed when you file, not through your paycheck.
- Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.
How to increase your take-home pay in Georgia
- Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and Georgia G-4 after a raise, a new job or a change in your family.
- Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and 4.99% Georgia tax.
- If you earn tips or hourly overtime, keep records so you can claim the Georgia exclusions and the federal deductions when you file.
How this calculator works
The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the 2026 Georgia rate of 4.99% on federal adjusted gross income less the Georgia standard, dependent and age 65 deductions and the Georgia tips and overtime exclusions, and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.
Last reviewed: October 28, 2026.
Georgia Paycheck Calculator FAQs
How much is $100,000 after taxes in Georgia?
A single filer earning $100,000 in Georgia takes home about $74,939 a year in 2026, or $6,245 a month. That is after $13,170 federal income tax, $4,242 Georgia income tax and $7,650 Social Security and Medicare, with no pre-tax deductions.
What percentage of my paycheck goes to taxes in Georgia?
For a single filer in 2026, total taxes take about 18.8% of a $50,000 salary, 21.9% of $75,000, 25.1% of $100,000 and 28.6% of $150,000. That includes federal and Georgia income tax, Social Security and Medicare.
What is the Georgia state income tax rate?
Georgia has a flat income tax of 4.99% for 2026, down from 5.19% in 2025. You first subtract a standard deduction of $15,000 ($30,000 for joint filers) and $5,000 for each dependent.
How much is $60,000 after taxes in Georgia?
A single filer earning $60,000 in Georgia takes home about $48,145 a year in 2026, or $4,012 a month, after $5,020 federal tax, $2,246 Georgia tax and $4,590 Social Security and Medicare.
Will I get a Georgia tax refund for 2026?
Many workers will. Employers withheld Georgia tax at 5.19%, with the old deductions, for part of 2026 before switching to the new rules, and withholding never applies the new tips and overtime exclusions. The difference comes back as a refund when you file.
Does Atlanta have a city income tax?
No. Atlanta and other Georgia cities and counties do not tax wages, so the same salary gives the same take-home pay anywhere in Georgia.
Is a Georgia salary calculator the same as a paycheck calculator?
For Georgia take-home pay, yes. Both estimate how much of your pay you keep after taxes and deductions. This calculator works for salaried and hourly workers and shows results per paycheck and per year.
What is the minimum wage in Georgia in 2026?
Georgia's state minimum wage is $5.15 an hour, but most employers must pay the federal minimum of $7.25, or $15,080 a year full time. Tipped workers can be paid $2.13 an hour in cash wages if tips bring them up to $7.25.
How is overtime paid in Georgia?
Georgia follows federal law: most hourly workers get 1.5 times their regular rate for hours over 40 in a workweek. From 2026 to 2028, full-time hourly workers can exclude up to $1,750 of overtime pay from Georgia income tax.
More paycheck and tax calculators
- Florida Paycheck Calculator: take-home pay with no state income tax
- Texas Paycheck Calculator: take-home pay with no state income tax
- Illinois Paycheck Calculator: take-home pay with the 4.95% flat tax
- New York Paycheck Calculator: take-home pay with state tax, SDI and Paid Family Leave
- Overtime Calculator: time and a half pay
- Bonus Tax Calculator: how much of a bonus you keep
- Federal Tax Withholding Calculator: check your W-4