Georgia Take-Home Pay Calculator: 4.99% Flat Tax (2026)
Georgia taxes wages at a flat 4.99% and pairs it with one of the most generous standard deductions in the Southeast — $12,000 for single filers. The rate was cut from 5.19% under HB 463 in May 2026 and is scheduled to keep falling if revenue targets are met. Estimate your 2026 take-home pay below.
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Pre-tax contributions (optional)
Reduces federal & most state taxes.
Reduces federal, state & FICA taxes.
Net annual pay
$74,789
Net monthly pay
$6,232
Net biweekly pay
$2,876
Estimate only — not tax advice
Results are for informational purposes only and cannot replace a CPA, tax software, or official IRS/state guidance. They exclude credits, itemized deductions, and local income taxes.
Tax breakdown
| Category | Amount | % of income |
|---|---|---|
| Federal Income Tax | $13,170 | 13.2% |
| Social Security | $6,200 | 6.2% |
| Medicare | $1,450 | 1.5% |
| State Income Tax | $4,391 | 4.4% |
| Total tax | $25,211 | 25.2% |
Effective tax rate: 25.2%. Marginal federal rate: 22.0%. Marginal state rate: 5.0% in Georgia.
Where your money goes
Deep dive into Georgia taxes
Read the full guide for rates, brackets, deductions, and tax-saving tips.
Compare with another state
See how Georgia's take-home pay ranks against another state.
Example: take-home pay on common salaries in Georgia
Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.
| Gross salary | Federal tax | FICA | Georgia tax | Net annual pay | Effective rate |
|---|---|---|---|---|---|
| $75,000 | $7,670 | $5,738 | $3,144 | $58,449 | 22.1% |
| $100,000 | $13,170 | $7,650 | $4,391 | $74,789 | 25.2% |
How Georgia taxes your income in 2026
Georgia replaced its old progressive brackets (which topped out at 5.75%) with a flat tax in 2024. HB 111 set the initial flat rate at 5.19% for 2025, and Governor Kemp signed HB 463 on May 11, 2026, lowering the rate to 4.99% retroactive to January 1, 2026. The same reforms raised the standard deduction to $12,000 for single filers and $24,000 for married couples filing jointly — roughly five times what it was a few years ago. If future revenue triggers are met, the rate may step down by 0.125% per year toward a floor of 3.99%.
No local income taxes, very friendly to retirees
Georgia cities and counties levy no income taxes, so the 4.99% state rate is all there is below the federal level. Social Security benefits are fully exempt, and Georgia's retirement-income exclusion lets residents 65 and older shield up to $65,000 per person of retirement income (pensions, IRA and 401(k) distributions, and some investment income) — one of the most generous retirement exclusions in the country. Younger retirees (62–64) get a $35,000 exclusion.
What this calculator includes (and excludes)
This estimate covers federal income tax, FICA, and Georgia's 4.99% flat tax with the 2026 standard deduction. It does not model the retirement-income exclusion, itemized deductions, or Georgia tax credits. Figures are estimates for planning purposes, not tax advice.
Frequently asked questions
What is the Georgia income tax rate in 2026? ▼
What is Georgia's standard deduction for 2026? ▼
Does Georgia have local income taxes? ▼
Does Georgia tax Social Security or retirement income? ▼
How much is $75,000 after taxes in Georgia? ▼
Can I use these numbers to file my taxes? ▼
Data sources
- Georgia Governor's Office - HB 463 tax relief signing (May 11, 2026)
- Georgia Department of Revenue - Individual Income Tax
- IRS 2026 inflation adjustments (IR-2025-103)
Reviewed by the PayFigi research team. Last verified: 2026-08-01. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.