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Georgia now uses a flat 4.99% state income tax for 2026 — part of a broader shift away from multiple brackets. This calculator applies the flat rate to wages after pre-tax payroll items and Georgia's standard exemption ($12,000 single / $24,000 married filing jointly), so compare the table to your actual paystub. Federal withholding and FICA still apply on top of state tax.
Georgia: flat 4.99% after the $12,000 single / $24,000 married standard exemption. Dependent exemptions and credits are not modeled; state tax may be overstated vs real withholding for some filers.
Bi-weekly take-home
$1,845.95
Annual net: $47,995
Where your pay goes
Effective rate
20.0%
Federal marginal
12.0%
State tax uses 2026 Georgia brackets, standard deduction and credits for your filing status (state marginal rate 4.99%). City/county income taxes and state disability or leave payroll deductions are not included.
Single filer, federal standard deduction and Georgia $12,000 standard exemption, no 401(k) or pre-tax health in inputs — illustrative only.
| Item | Annual estimate |
|---|---|
| Gross wages | $60,000 |
| Federal income tax | $5,020 |
| Georgia state income tax (4.99%) | $2,395 |
| FICA (Social Security + Medicare) | $4,590 |
| Estimated net take-home | $47,995 |
Georgia’s flat-rate reform simplified planning versus older graduated schedules, but federal itemizers still face the SALT deduction cap on Schedule A, which limits how much state income tax reduces federal taxable income for those who itemize. Check DOR guidance and your employer’s withholding for the most accurate annual picture.
Georgia's flat state income tax rate is 4.99% for 2026, after a rate cut retroactive to January 1, 2026 (HB 463). Georgia moved to a single flat rate from prior graduated brackets. Your real withholding can differ slightly with credits, dependents, and employer payroll settings. Rates: Georgia Department of Revenue.
Typical withholding stacks federal income tax (W-4 driven), Georgia state tax at the flat 4.99% rate, Social Security (6.2% up to the wage base), and Medicare (1.45%, plus additional Medicare above IRS thresholds). This tool applies 4.99% to wages after pre-tax 401(k)/health and Georgia's standard exemption of $12,000 single / $24,000 married filing jointly. Dependent exemptions and state credits are not modeled, so your actual state tax may be lower if they apply.
Georgia does not use a statewide local earned income tax system like Pennsylvania’s local EIT. Local sales and property taxes vary by county and city but are separate from wage withholding lines. Compare Georgia to Florida (no state income tax) using the all-states paycheck tool if you are weighing a move.
Florida has no state income tax on wages, which often improves net pay versus Georgia at the same gross. Tennessee also forgoes a broad wage income tax. South Carolina, North Carolina, and Alabama use their own brackets or flat rates — run the same salary in the calculator for each state to see the gap on your income.
Expect federal tax, Georgia state tax, Social Security, Medicare, and any benefits you elect pre-tax (401(k), health, HSA). Post-tax items like garnishments or Roth 401(k) do not reduce taxable income in the same way; this estimator does not model every local fee.
Adjust federal withholding via Form W-4 if you have been over-withholding. Increase pre-tax retirement or HSA contributions where your plan allows to reduce federal taxable income. For itemizers, state and local tax (SALT) deduction limits on the federal return still cap how much state tax helps your Form 1040 — a tax pro can model your situation.
Educational estimates only. Not IRS or payroll advice.