Georgia Take-Home Pay Calculator

Q: What is Georgia's state income tax rate?

Georgia has a flat state income tax rate of 5.19% for the 2025 tax year, down from 5.39% in 2024. The rate is scheduled to keep dropping under HB 463, reaching 4.99% for the 2026 tax year.

Q: Why is Georgia's tax rate changing every year?

Georgia moved from a progressive bracket system to a flat tax in 2024 as part of a multi-year phase-down. Lawmakers have accelerated the schedule since, cutting the rate from 5.39% to 5.19% to 4.99% over three consecutive tax years.

Q: Does Georgia tax retirement income?

Georgia offers a significant retirement income exclusion for residents 65 and older — up to $65,000 in qualifying retirement income can be excluded from state tax. This calculator is built for wage income and doesn't model the retirement exclusion.

Q: Does Georgia have local city income tax?

No. No Georgia city or county levies a separate income tax on wages — the flat state rate is the entire state and local income tax picture for a Georgia paycheck.

Estimate your Georgia paycheck using GA's flat 5.19% state income tax rate for 2025, plus federal income tax and FICA.

Written by the Calculator Index team · Source: Georgia Department of Revenue (flat 5.19% rate, HB 463 phase-down); IRS 2025 federal figures · Last reviewed September 2026

Take-home pay per paycheck

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Annual take-home

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Monthly take-home

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Federal income tax

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Georgia state tax (5.19%)

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Social Security (6.2%)

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Medicare (1.45%+)

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What comes out of a Georgia paycheck

Net pay = Gross − Federal income tax − ((Gross − Pre-tax − $12,000 standard deduction) × 5.19%) − Social Security − Medicare − Pre-tax deductions

Georgia finished converting from a progressive bracket system to a flat tax in 2024, and the rate has fallen every year since: 5.39% in 2024, 5.19% in 2025, and a scheduled 4.99% for 2026 under HB 463. Because the flat rate applies to every taxable dollar equally, filing status doesn't change the rate itself — only the $12,000 (single) or $24,000 (joint) standard deduction differs.

Worked example — $80,000, single, biweekly

GA-taxable income: $80,000 − $4,000 pre-tax − $12,000 standard deduction = $64,000. GA tax: $64,000 × 5.19% = $3,321.60.

Federal tax (on $61,000 taxable) ≈ $8,334 · GA state tax ≈ $3,322 · Social Security $4,960 · Medicare $1,160.

Annual take-home ≈ $58,224 → about $2,239 per biweekly paycheck (72.8% of gross).

Georgia's rate is still falling — a note for 2026

Unlike most flat-tax states, Georgia's rate isn't fixed year to year. Lawmakers built in automatic step-downs, and legislation (HB 463) has accelerated them further: the rate is set to drop to 4.99% for the 2026 tax year. If you're comparing this calculator's 2025 figures to a 2026 paycheck, expect slightly higher take-home pay once the lower rate takes effect.

Georgia's retirement income exclusion

Georgia offers one of the more generous retirement tax breaks in the country: residents 65 and older can exclude up to $65,000 of qualifying retirement income (pensions, IRA/401(k) distributions, interest, dividends, and some capital gains) per person from state tax. This calculator is built for wage income and doesn't model the exclusion — retirees should not expect this tool's results to reflect their actual liability.

Common mistakes when estimating Georgia take-home pay

Using last year's rate. Georgia's flat rate has changed three years running (5.39% → 5.19% → 4.99%) — always confirm which tax year you're estimating.
Assuming a local city income tax applies. No Georgia city or county levies its own income tax on wages.
Applying the retirement exclusion to wage income. The $65,000 exclusion applies to qualifying retirement income for residents 65+, not to ordinary wages.

Frequently asked questions

What is Georgia's state income tax rate?

A flat 5.19% for the 2025 tax year, down from 5.39% in 2024 and scheduled to fall to 4.99% for 2026.

Why is Georgia's tax rate changing every year?

Georgia moved to a flat tax in 2024 with a built-in, legislatively accelerated phase-down schedule.

Does Georgia tax retirement income?

Residents 65+ can exclude up to $65,000 of qualifying retirement income from state tax — this calculator covers wage income only.

Does Georgia have local city income tax?

No — no Georgia city or county levies a separate income tax on wages.

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Note: Simplified estimate using 2025 state and federal figures; excludes credits, the retirement income exclusion, and benefit specifics. Not tax advice. Figures: 2025 Georgia and federal tax year (rate scheduled to drop to 4.99% for 2026). Last reviewed: September 2026.