Georgia Income Tax Calculator 2026
Georgia has a flat income tax with a top rate of 4.99% in 2026. Enter your income to see your annual state and federal tax bill.
Updated 2026-10-03
| Annual | Annual | |
|---|---|---|
| Gross pay | $60,000.00 | $60,000 |
| Federal income tax | -$5,020.00 | -$5,020 |
| Social Security (6.2%) | -$3,720.00 | -$3,720 |
| Medicare | -$870.00 | -$870 |
| Georgia income tax | -$2,245.50 | -$2,246 |
| Take-home pay | $48,144.50 | $48,145 |
- Take-home $48,145 80.2%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $2,246 3.7%
Take-home pay vs. taxes at every income level in Georgia
- Take-home pay
- Total taxes
Your result is ready
Georgia effective state tax rate by income
- Single
- Married jointly
2026 take-home pay in Georgia at common salaries
Single filer, standard deduction, no pre-tax deductions, paid bi-weekly.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Effective |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $749 | $25,537 | $982 | 14.9% |
| $50,000 | $3,820 | $3,825 | $1,747 | $40,609 | $1,562 | 18.8% |
| $75,000 | $7,670 | $5,738 | $2,994 | $58,599 | $2,254 | 21.9% |
| $100,000 | $13,170 | $7,650 | $4,242 | $74,939 | $2,882 | 25.1% |
| $150,000 | $24,734 | $11,475 | $6,737 | $107,055 | $4,117 | 28.6% |
| $250,000 | $51,304 | $15,514 | $11,727 | $171,456 | $6,594 | 31.4% |
- Take-home
- Total tax
Georgia income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 4.99% |
Standard deduction $15,000
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 4.99% |
Standard deduction $30,000
Key facts about Georgia taxes
- HB 463, the Georgia Economic Growth and Tax Relief Act of 2026, cut the flat income tax rate from 5.19% to 4.99%, retroactive to January 1, 2026.
- For 2026 the standard deduction rises to $15,000 for single, head-of-household and married-filing-separately filers and to $30,000 for married couples filing jointly. The dependent deduction rises from $4,000 to $5,000.
- Employers could begin withholding at 4.99% on May 11, 2026. Wages paid earlier in the year were withheld at 5.19%, so many workers will get the difference back when they file.
- HB 463 also sets annual 0.125-point rate cuts until the rate reaches 3.99%, and raises the retirement income exclusion to $70,000 starting in 2027.
- Georgia did not adopt the federal no-tax-on-tips and no-tax-on-overtime deductions. Instead HB 463 created narrower Georgia subtractions for qualified overtime and cash tips.
Federal taxes withheld from every Georgia paycheck
| Federal bracket (2026, single) | Rate |
|---|---|
| Over $0 | 10% |
| Over $12,400 | 12% |
| Over $50,400 | 22% |
| Over $105,700 | 24% |
| Over $201,775 | 32% |
| Over $256,225 | 35% |
| Over $640,600 | 37% |
More Georgia calculators
- Georgia (GA) paycheck calculator
- Georgia income tax calculator
- Georgia sales tax calculator
- Atlanta paycheck calculator
- Florida vs Georgia taxes
- Georgia vs Tennessee taxes
- Georgia vs North Carolina taxes
- Compare Georgia with any state
What this calculator simplifies
- Calculates annual 2026 tax at 4.99%. Actual 2026 withholding was 5.19% until May 2026.
- The Georgia overtime and cash-tip subtractions, the retirement income exclusion and the low-income credit are not modeled.
Georgia's 4.99% flat tax, step by step
Georgia taxes Georgia taxable income at one rate, 4.99% for 2026. Taxable income is federal AGI after Georgia adjustments, less the Georgia standard deduction ($15,000 for single, head-of-household and married-filing-separately filers; $30,000 for married couples filing jointly) or itemized deductions, less $5,000 for each dependent.
Worked example: a married couple filing jointly with two children and $100,000 of wages subtracts the $30,000 standard deduction and two $5,000 dependent deductions, leaving $60,000. At 4.99% they owe $2,994, or 2.99% of income. The same couple would have owed about $3,114 at the old 5.19% rate.
Georgia retirement income exclusion
Georgia does not tax Social Security or Railroad Retirement benefits, and it gives a large exclusion for other retirement income to people 62 and older (or permanently disabled):
- Retirement income includes pensions, annuities, interest, dividends, net rental income, capital gains, royalties and a limited amount of earned income.
- Each spouse qualifies separately, so a couple who are both 65 can exclude up to twice the amount.
- HB 463 raises the exclusion to $70,000 starting in 2027.
- Part-year residents and nonresidents must prorate the exclusion.
| Who | Maximum exclusion (2025 returns) |
|---|---|
| Age 62–64, or under 62 and permanently and totally disabled | $35,000 |
| Age 65 or older | $65,000 |
| Military retirees under 62 | $17,500, plus another $17,500 with more than $17,500 of Georgia earned income |
Filing your Georgia return
Georgia returns for 2026 are due April 15, 2027. Everyone now files Form 500: the short Form 500EZ was discontinued from tax year 2025. Part-year residents and nonresidents complete Schedule 3 to calculate the share of income Georgia taxes.
You are a Georgia resident if Georgia is your legal home, or if you lived in Georgia for 183 days or more (including part-days) in the year. Georgia did not adopt the federal deductions for tips and overtime; it offers its own narrower subtractions for qualified overtime and cash tips for 2026 through 2028 instead. Lower-income filers can claim the Georgia low income credit.
Where Georgia's rate is heading
HB 463 schedules further cuts of 0.125 percentage points a year until the rate reaches 3.99%, alongside increases in the standard deduction. Because each cut applies to a later tax year, the calculator always uses the rate in effect for the current tax year rather than projecting ahead.
Frequently asked questions
Does Georgia have a state income tax?
Yes. Georgia has a flat income tax of 4.99% for 2026.
How much is take-home pay on $75,000 in Georgia (GA)?
A single filer earning $75,000 in Georgia takes home about $58,599 a year ($2,254 per bi-weekly paycheck) in 2026, after $7,670 federal income tax, $5,738 FICA and $2,994 in state and local taxes. That is an effective rate of 21.9%.
What is the sales tax rate in Georgia?
The Georgia state sales tax rate is 4.00%. With local taxes the average combined rate is 7.56%, and the highest combined rate is 9.00%.
What is the 2026 federal standard deduction?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
How much Social Security and Medicare is withheld?
Employees pay 6.2% Social Security on wages up to $184,500 in 2026, and 1.45% Medicare on all wages, plus 0.9% Additional Medicare on wages over $200,000 (single).
Does Georgia tax Social Security?
No. Taxable Social Security and Railroad Retirement benefits on the federal return are subtracted on Schedule 1 of Georgia Form 500.
How much is the Georgia retirement exclusion?
For 2025 returns, up to $35,000 for ages 62–64 (or permanently disabled) and $65,000 for 65 and older, per person. It rises to $70,000 in 2027 under HB 463.
Can I still file Form 500EZ in Georgia?
No. Form 500EZ was discontinued for tax years beginning on or after January 1, 2025. Use Form 500.
Who counts as a Georgia resident?
Anyone whose legal home is Georgia, and anyone who lived in Georgia for 183 days or more during the year.
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- Georgia DOR – 2026 Employer's Tax Guide (residency definition, HB 463 changes)
- Office of the Governor – Gov. Kemp Signs Legislation Lowering Taxes (May 11, 2026)
- Tax Foundation – State and Local Sales Tax Rates, Midyear 2026
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments
- IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
- Rev. Proc. 2025-19 (2026 HSA limits)
- IRS: Correction to SALT deduction amount in the 2026 Form 1040-ES
- IRS Topic No. 560, Additional Medicare Tax
- IRS Topic No. 559, Net Investment Income Tax
- IRS: Working Families Tax Cuts (OBBBA) deductions for working Americans and seniors
- IRS: Child Tax Credit
- IRS Publication 15 (2026), Employer’s Tax Guide (supplemental wage withholding)
- IRS Instructions for Forms W-2G and 5754 (gambling withholding)
- SSA 2026 Cost-of-Living Adjustment Fact Sheet
- Georgia DOR – 2025 IT-511 Individual Income Tax Booklet (retirement exclusion, Schedule 3)
- Georgia DOR – Retirees FAQ
- Georgia DOR – Retirement Income Exclusion