Georgia After Tax Income Calculator 2026
Calculate Your GA Take-Home Pay — New Flat Tax Rate!
Based on GA Dept. of Revenue & IRS 2026 rates
Enter Your Income Information
Your 2026 Georgia Paycheck Breakdown
Paycheck Distribution
How Georgia Income Tax Works
🍑 Georgia's New Flat Tax (2024-2029)
Georgia is transitioning from progressive brackets to a flat income tax! Starting in 2024, the rate began at 5.49% and decreases annually. For 2026, the rate is projected at 5.39%. By 2029, it will reach 4.99%. Georgia has no local income taxes anywhere in the state — whether you live in Atlanta, Savannah, or rural areas, you only pay state and federal taxes.
- Calculate Gross Income: Start with your total annual salary before any deductions.
- Subtract Pre-Tax Deductions: 401(k), health insurance, HSA, and FSA contributions reduce taxable income.
- Apply Federal Tax Brackets: Calculate federal income tax using 2026 IRS tax brackets (10%-37%).
- Apply GA Standard Deduction: Georgia has its own standard deduction amounts.
- Apply GA Flat Tax: Georgia charges a flat 5.39% on taxable income for 2026.
- No Local Tax: Georgia has no local or city income taxes!
- Calculate FICA: Social Security (6.2% up to $176,100) + Medicare (1.45%, plus 0.9% over $200K).
- Calculate Take-Home: Gross minus all taxes equals your Georgia net pay.
Georgia Tax Calculation Formulas
Take-Home Pay Formula
GA State Tax (Flat Rate)
GA Standard Deduction
Effective Tax Rate
Georgia Flat Tax Rate Transition
| Tax Year | Flat Rate | Notes |
|---|---|---|
| 2023 | 5.75% | Last year of progressive brackets |
| 2024 | 5.49% | First year of flat tax |
| 2025 | 5.39% | Continues reduction |
| 2026 | 5.39% | Current calculator rate |
| 2027 | 5.19% | Projected reduction |
| 2028 | 5.09% | Projected reduction |
| 2029+ | 4.99% | Final target rate |
2026 Georgia Standard Deductions
| Filing Status | GA Standard Deduction |
|---|---|
| Single | $12,000 |
| Married Filing Jointly | $24,000 |
| Married Filing Separately | $12,000 |
| Head of Household | $18,000 |
2026 Federal Tax Brackets
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 |
| 12% | $11,925 - $48,475 | $23,850 - $96,950 |
| 22% | $48,475 - $103,350 | $96,950 - $206,700 |
| 24% | $103,350 - $197,300 | $206,700 - $394,600 |
| 32% | $197,300 - $250,525 | $394,600 - $501,050 |
| 35% | $250,525 - $626,350 | $501,050 - $751,600 |
| 37% | Over $626,350 | Over $751,600 |
Georgia vs Neighboring States
| State | Top Income Tax | Local Tax? | $100K Tax |
|---|---|---|---|
| Georgia | 5.39% (flat) | No | ~$4,748 |
| Florida | 0% | No | $0 |
| Tennessee | 0% | No | $0 |
| Alabama | 5% | Some cities | ~$4,200 |
| South Carolina | 6.4% | No | ~$4,800 |
| North Carolina | 4.5% (flat) | No | ~$4,500 |
GA Tax Advantages & Considerations
✅ Advantages
- Simple flat tax rate (5.39%)
- Rate decreasing to 4.99% by 2029
- No local income tax anywhere
- Generous standard deduction
- Social Security fully exempt
- Retirement income exclusions available
⚠️ Considerations
- Higher than NC (4.5%) and FL/TN (0%)
- 4% state sales tax + local (up to 9%)
- Property taxes vary by county
- Vehicle ad valorem tax ("birthday tax")
- No SALT deduction cap workaround
Official Resources
Frequently Asked Questions
Georgia has a flat 5.39% income tax rate for 2026. This applies to all taxable income after the standard deduction. The rate is transitioning down from 5.75% (2023) to 4.99% (2029) as part of Georgia's tax reform.
No! Georgia has no local or city income taxes anywhere in the state. Whether you live in Atlanta, Savannah, Augusta, or rural areas, you only pay state and federal income taxes. This simplifies tax filing significantly compared to states like Ohio or Pennsylvania.
Georgia has its own standard deduction separate from federal: $12,000 for single filers, $24,000 for married filing jointly, and $18,000 for head of household. These are applied before calculating the 5.39% flat tax.
No! Georgia does not tax Social Security benefits. Additionally, Georgia offers retirement income exclusions: those 62-64 can exclude up to $35,000, and those 65+ can exclude up to $65,000 of retirement income per person.
Florida has 0% state income tax vs Georgia's 5.39%. At $100K income, you'd pay ~$4,748 more in Georgia. However, Georgia has lower property taxes and cost of living than many Florida areas. Many choose between Atlanta's job market and Florida's tax savings.
Yes! Georgia follows federal treatment for 401(k), 403(b), and traditional IRA contributions. Pre-tax contributions reduce your Georgia taxable income, saving you 5.39% in state taxes on those contributions.
Georgia has a 4% state sales tax plus local additions (county and city). Combined rates typically range from 7-9%. Atlanta area is around 8.9%. Groceries are exempt from the 4% state portion but may be subject to local tax.
File federal Form 1040, then Georgia Form 500 (resident) or 500EZ (simplified). You can e-file free through the Georgia Tax Center. Georgia also accepts IRS Free File and most commercial software.
Georgia state taxes are due April 15th, same as federal. Extensions to file are available until October 15th, but estimated taxes are still due by April 15th. Estimated payments are due quarterly: April 15, June 15, September 15, and January 15.
Georgia charges an annual ad valorem (property) tax on vehicles, due on your birthday. The amount is based on the vehicle's value and your county's millage rate. Newer vehicles can have $500-1,000+ annual taxes. This is separate from income tax but affects total tax burden.
Created by OmniCalculator.space — Your trusted source for tax calculators.
Last Updated: January 2025 | Projected 2026 Tax Rates
