Georgia Paycheck Calculator

How Georgia paycheck taxes work

Georgia moved to a flat income tax in 2024 — the 5.39% rate is scheduled to keep declining each year.

• Georgia replaced its graduated tax system with a flat rate starting in 2024, currently at 5.39%.
• The rate is set to decline annually toward a long-term target well below 5%.
• Georgia's standard deduction is $12,000 for single filers — higher than most Southern states.

Federal income tax withholding (2026)

Federal income tax withholding is calculated using the annualization method from IRS Publication 15-T. Your per-period gross pay is annualized, reduced by the standard deduction ($15,000 single / $30,000 married / $22,500 head of household in 2026), and then taxed at the applicable bracket rates. The resulting annual tax is divided by your number of pay periods.

2026 federal tax brackets

FICA: Social Security & Medicare

FICA taxes are the same in every state. Social Security is withheld at 6.2% on wages up to $176,100 (2026 wage base). Once your wages reach that cap in a calendar year, Social Security withholding stops. Medicare is withheld at 1.45% with no wage cap. An additional 0.9% applies to wages above $200,000 (single) or $250,000 (married).

Georgia state income tax details

Georgia taxes all earned income at a flat 5.39% rate. This applies equally to all wage earners regardless of income level, making the calculation straightforward: multiply your taxable wages by 5.39%.

Pre-tax deductions and your paycheck

Traditional 401(k) contributions and employer-sponsored health insurance premiums (Section 125/cafeteria plan) reduce your federal and state taxable income, lowering your income tax withholding. However, 401(k) contributions do not reduce FICA (Social Security and Medicare) wages. Health insurance premiums under a Section 125 plan do reduce FICA wages. Use the "Show deductions" section above to model your specific situation.

Frequently asked questions

• How much state income tax do Georgia residents pay?
  Georgia has a flat state income tax rate of 5.39%. This rate applies to all taxable income equally, regardless of how much you earn. Use the calculator above to see your exact per-paycheck withholding.
• Are there local income taxes in Georgia?
  Georgia does not have a statewide local income tax layer. Your paycheck deductions consist of federal income tax, Social Security, Medicare, and Georgia state income tax — no additional local income taxes are withheld at the state level.
• How do I calculate my take-home pay in Georgia?
  Start with your gross pay per paycheck. Subtract: (1) federal income tax based on your filing status and 2026 brackets; (2) Social Security at 6.2% up to the $176,100 wage base; (3) Medicare at 1.45%; (4) Georgia state income tax. Any pre-tax deductions like 401(k) or health insurance reduce your taxable income further. The calculator above does this math instantly.
• Does Georgia tax Social Security retirement benefits?
  Georgia's 5.39% flat income tax applies to wages and salaries. Whether Georgia taxes Social Security retirement benefits depends on your specific situation — check the Georgia Department of Revenue for current exemption rules. Paycheck withholding (what this calculator estimates) applies only to wages, not retirement benefits.
• Does Georgia have additional state payroll deductions (SDI, paid leave, etc.)?
  Georgia does not require additional state payroll contributions beyond state income tax withholding. Some states (notably California, New Jersey, and New York) require workers to contribute to state disability insurance (SDI) or paid family leave (PFL) programs — Georgia is not one of them.

Last updated: January 2026 · Data source: IRS Publication 15-T (2026), Georgia Department of Revenue · This tool is for estimation only.

Related guides

• How does paycheck withholding work? — Step-by-step explanation of federal withholding, FICA, and state tax calculation.
• W-4 withholding guide — How to fill out the redesigned W-4 and avoid under- or over-withholding.