Georgia Paycheck & Income Tax Calculator

How Georgia income tax works

Georgia applies a flat 4.99% to taxable income, after a standard deduction of $15,000 for a single filer or $30,000 filing jointly.

That combination makes Georgia’s effective rate noticeably lower than its headline rate at ordinary salaries. A single filer on $75,000 subtracts $15,000, leaving $60,000, and pays 4.99% of that — just under $3,000, or about 4% of gross rather than 4.99%. The gap narrows as income rises and the fixed deduction shelters proportionally less.

There is nothing else at state level. No Georgia city or county levies an income tax, and there is no employee-side payroll levy of the kind Colorado, New Jersey or Pennsylvania deduct.

What changed for 2026

Two changes landed together, and both cut the bill. The Department of Revenue’s own notice is unambiguous: the rate fell to a flat 4.99%, and the standard deduction rose to $15,000 single and $30,000 joint.

The deduction increase is the larger of the two in cash terms for most earners. Going from $12,000 to $15,000 shelters an extra $3,000 from tax, worth about $150 a year at the flat rate. The rate cut from 5.09% to 4.99% is worth roughly another $60 on a $75,000 salary.

Worth knowing if you are checking figures elsewhere: the Department of Revenue’s separate standard-deduction page still displays the older $12,000 and $24,000 amounts, which are the 2024–2025 figures. The 2026 numbers appear in its tax updates notice. Several calculators are still using the old ones.

Take-home pay at every salary in Georgia

After federal tax, the flat 4.99% state tax and FICA. With no local tax and no state payroll levy, these figures hold anywhere in Georgia — Atlanta, Savannah, Augusta and Columbus alike.

What lands in your account each payday

On $75,000 a year in Georgia, filing single, split across the pay schedules employers actually use.

Overtime and tips are treated differently in Georgia

This one catches people out, because the federal change was widely reported and the state treatment was not.

Georgia did not conform to the exemptions from income for overtime and tipped wages in the One Big Beautiful Bill Act. Instead, up to $1,750 of each may be excluded from Georgia taxable net income — a much narrower allowance than the federal position.

The practical effect is that a Georgia worker with substantial overtime or tip income can see a federal exemption that does not carry across to their state return, and owe Georgia tax on income that is federally exempt. If a large share of your pay comes from either, the figures above will understate your Georgia liability, because this calculator models base wage income only.

The retirement income exclusion

Georgia treats retirees generously, and the benefit is age-banded rather than all-or-nothing.

Social Security is fully exempt at any age. Beyond that, Georgia offers a retirement income exclusion that begins at 62 and increases again at 65, applying per person rather than per household — so a married couple both over 65 can shelter twice the individual amount. It covers pension income, interest, dividends and capital gains, not only withdrawals from retirement accounts.

Combined with a flat 4.99% on whatever remains, that makes Georgia competitive with no-income-tax states for retirees, without the property tax burden that Texas carries.

The calculator above models wage income and does not apply the exclusion, so a retiree’s actual Georgia liability will be materially lower than these figures suggest.

Dates that matter for the 2026 tax year

Georgia returns (Form 500) are due April 15, 2027, matching the federal deadline. Estimated payments, if required, fall quarterly in April, June, September and the following January. The rate and deduction on this page apply to income earned between January 1 and December 31, 2026.

Questions people ask

What is the Georgia income tax rate for 2026?

A flat 4.99%, reduced from 5.09%. Georgia has no brackets — the same rate applies to every dollar of taxable income. The reduction is part of a legislated phase-down that began when Georgia replaced its graduated system with a single rate.

What is the Georgia standard deduction for 2026?

$15,000 for single filers, heads of household and married filing separately, and $30,000 for married filing jointly. Both figures rose sharply for 2026 from $12,000 and $24,000.

Does Atlanta charge a local income tax?

No. No Georgia city or county levies an income tax, so where you live in the state does not change your income tax bill.

How does Georgia tax overtime and tips?

Not the way the federal government does. Georgia declined to conform fully to the overtime and tipped-wage exemptions in the One Big Beautiful Bill Act. Up to $1,750 of each may be excluded from Georgia taxable net income, but the wider federal exemption does not carry across.

Does Georgia tax retirement income?

Social Security is fully exempt. Beyond that, Georgia offers a retirement income exclusion that starts at age 62 and increases at 65, covering a substantial amount of pension, interest, dividend and other retirement income per person. This calculator models wage income and does not apply the exclusion.

Are Georgia payroll deductions taken from my paycheck?

Not by the state. Georgia unemployment insurance is employer-funded and the state runs no disability or paid family leave program. Beyond the 4.99% state income tax, the only deductions are federal.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.