Georgia Take-Home Pay Calculator
5.29% flat rateEstimate your net paycheck after federal taxes, FICA, and Georgia state income tax.
Last updated: April 2026
Georgia Income Tax
Georgia uses a flat 5.29% income tax rate for 2026, down from 5.49% in 2024 under a scheduled annual reduction.
Georgia State Income Tax: What You Need to Know
Georgia uses a flat 5.29% income tax rate for 2026, down from 5.49% in 2024 under a scheduled annual reduction.
Georgia completed a major tax overhaul under the Tax Reduction and Reform Act of 2022, replacing a six-bracket graduated income tax system (which topped at 5.75%) with a flat rate that has been declining annually: 5.49% in 2024, 5.39% in 2025, 5.29% in 2026, with a legislative target of eventually reaching 4.99% or lower depending on state revenue conditions. Georgia's standard deduction is $5,400 for single filers and $7,100 for married filing jointly for 2026, and Georgia allows a personal exemption of $2,700 per taxpayer. Unlike many Southeastern states, Georgia has no city or local income tax — Atlanta, Savannah, Augusta, and all other Georgia municipalities add no local wage withholding on top of the state rate. Georgia does partially tax Social Security benefits, though residents 65 and older receive an exclusion of up to $65,000 on retirement income including Social Security, pension, and IRA distributions — a significant benefit for retirees. Georgia's corporate tax rate is also declining in parallel with individual rates, making it an increasingly competitive state for business. The combination of a declining flat tax, no local income taxes, warm climate, and a large metro economy in Atlanta has made Georgia one of the faster-growing states for both business relocation and population growth.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Georgia's 5.29% flat rate to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Georgia Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $2,116 | $3,060 | $31,657 |
| $60,000 | $6,617 | $3,174 | $4,590 | $45,619 |
| $80,000 | $10,817 | $4,232 | $6,120 | $58,831 |
| $100,000 | $15,617 | $5,290 | $7,650 | $71,443 |
Frequently Asked Questions: Georgia Taxes
What is Georgia's income tax rate for 2026?
Georgia has a flat income tax rate of 5.29% for 2026, reduced from 5.49% in 2024 and 5.39% in 2025. Georgia's Tax Reduction and Reform Act of 2022 mandated these annual rate cuts, with a long-term target of 4.99% or lower depending on state revenue conditions. For a $80,000 earner, the 2026 rate saves about $160 compared to the 2024 rate — modest but real, and it compounds as the rate keeps falling. Georgia's standard deduction is $5,400 for single filers; taxpayers deduct this before applying the 5.29% rate.
Does Atlanta have a city income tax?
No. Atlanta does not impose a city income tax on wages, and neither does any other Georgia city. Georgia workers in Atlanta pay only state income tax (5.29% in 2026) and federal income tax — no local or city wage withholding. This distinguishes Georgia from states like Ohio and Maryland where city taxes can add 1–3% on top of state rates. The absence of local income taxes makes Georgia's tax situation simpler and more predictable for both employees and employers.
When did Georgia switch to a flat tax and why?
Georgia transitioned from a graduated six-bracket income tax system (which topped at 5.75%) to a flat rate starting January 1, 2024, under the Georgia Tax Reduction and Reform Act of 2022. The motivation was economic competitiveness — neighboring Tennessee and Florida have no income tax at all, and Georgia's legislature wanted to reduce the gap. The flat rate simplifies withholding, eliminates bracket creep, and treats all earners at the same marginal rate.
Is Georgia income tax going down further after 2026?
Yes, if revenue conditions allow. Georgia's law sets a path toward 4.99% with additional annual reductions, each contingent on state revenue exceeding a threshold. If revenues hold strong, the rate could reach 5.19% in 2027 and continue declining. The legislature could also accelerate the cuts with new legislation. Georgia has consistently hit its revenue triggers since the reform, making further reductions likely barring a significant economic downturn.
Does Georgia tax Social Security benefits?
Partially, but a large exclusion offsets most of it for retirees. Georgia taxes Social Security income that is federally taxable, but provides a retirement income exclusion: taxpayers age 62–64 can exclude up to $35,000 of retirement income (including Social Security, pensions, and IRA distributions), and taxpayers age 65 and older can exclude up to $65,000. For many retirees, this exclusion eliminates Georgia state tax on retirement income almost entirely — making Georgia notably retiree-friendly despite the 5.29% rate on wages.
What is Georgia's minimum wage in 2026?
Georgia's state minimum wage is $5.15/hour — one of the few states with a floor below the federal minimum. However, the federal $7.25/hour preempts Georgia's rate for most covered employers, so the effective floor is $7.25/hour for nearly all workers. Georgia has not raised its minimum above the federal level and preempts local governments from setting higher local minimums. For context, neighboring Florida's minimum is $14.00/hour in 2026, making Georgia one of the lowest-minimum-wage states in the Southeast.