Georgia Take-Home Pay Calculator 2026
Quick Answer: In 2026, Georgia has a flat 4.99% income tax. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $58,599, while married joint filers take home about $62,377. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Georgia?
Georgia levies a flat 4.99% income tax on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 78.1% of their gross paycheck, leaving $58,599 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Georgia Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Georgia has a flat 4.99% income tax on personal wages. Standard deductions for 2026 are set at $15 000 for single W-2 filers and $30 000 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Do You Keep: Paycheck Breakdown in Georgia?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,747 | $3,825 | $40,609 | 18.8% |
| $75,000 | $7,670 | $2,994 | $5,738 | $58,599 | 21.9% |
| $100,000 | $13,170 | $4,242 | $7,650 | $74,939 | 25.1% |
| $150,000 | $24,734 | $6,737 | $11,475 | $107,055 | 28.6% |
- Federal tax$13,17013%
- Georgia tax$4,2424%
- FICA$7,6508%
- Take-home$74,93975%
- Gross$100,000
What Georgia-specific taxes affect your paycheck?
Georgia withholds a single flat state income tax of 4.99% for 2026, the result of the flat-tax schedule set by HB 111 that reduced the rate from 5.39% to 5.19% in 2025 and now to 4.99% for 2026. New hires complete Georgia Form G-4, the state employee withholding certificate filed with the Georgia Department of Revenue (dor.georgia.gov), alongside the federal W-4. The 2026 standard deduction is $15,000 single and $30,000 married filing jointly.
No local, occupational, SDI, or paid-leave deductions
Georgia has no local or city income tax, so workers in Atlanta, Savannah, and every other municipality pay only the state flat rate plus federal tax and FICA. Georgia also has no state disability insurance (SDI) and no paid-family-leave (PFL) payroll tax, unlike California, New Jersey, or New York. If you have seen those rows on another calculator, in Georgia they are always zero.
Employer-side and wage facts
- SUI/SUTA wage base: employer unemployment tax applies to the first $9,500 of each worker's wages, at a new-employer rate of 2.7% (experience-rated employers vary), administered by the Georgia Department of Labor. This is paid by the employer, not deducted from your check.
- Minimum wage: Georgia's statutory minimum is $5.15, but the federal $7.25 applies to nearly all employees in 2026.
- Median household income: about $77,353 (Census, 2024), useful context when judging your net pay.
Figures reflect 2026 Georgia and federal rules; verify with the Georgia DOR before filing.
How Do You Calculate Your Georgia Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Georgia.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Georgia?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Georgia Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: