What is the Georgia Income Tax Calculator?
In short
Georgia taxes all taxable income at a flat 4.99% rate rather than progressive brackets, so a higher salary doesn't push you into a higher state rate. A single filer earning $75,000 in Georgia owes about $16,402 all-in ($2,994 to the state), taking home $58,599.
This Georgia income tax calculator estimates your total tax — federal brackets + FICA (7.65%) + Georgia's flat 4.99% income tax. HB 463, signed on May 11, 2026, cut the rate from a flat 5.19% to a flat 4.99% retroactive to January 1, 2026, and employers could begin withholding at 4.99% from May 11, 2026.
How to use this calculator
- 1Enter your annual gross income.
- 2Choose your filing status (single, married, or head of household).
- 3Georgia is pre-selected — switch states to compare.
- 4Enter pre-tax deductions (401k, HSA) and any itemized deductions.
- 5Read your federal tax, state tax, FICA, total, and effective rate.
The formula
- AGI
- — Gross income minus pre-tax deductions
- taxable income
- — Federal: AGI minus the standard or itemized deduction. Georgia: AGI minus Georgia's own standard deduction ($15,000 single or head of household, $30,000 married filing jointly), not the federal one; itemized deductions are not applied to the Georgia figure
- federal tax
- — Federal income tax from progressive brackets
- GA tax
- — Georgia — a flat 4.99% income tax (2026)
- FICA
- — Social Security 6.2% + Medicare 1.45%
Worked example
The scenario
A single filer in Georgia earns $75,000 in wages in 2026 and contributes nothing pre-tax.
The result
Georgia subtracts its $15,000 standard deduction, leaving $60,000. At 4.99% the tax is $2,994.00, which matches the calculator's $2,994. In 2025 the same wages had a $12,000 deduction and a 5.19% rate: $63,000 × 5.19% = $3,269.70. HB 463's higher deduction and lower rate together save this filer $275.70 for 2026.
Common use cases
- Estimating your total tax bill before filing in Georgia
- Comparing Georgia's flat 4.99% rate against progressive-bracket states
- Seeing how pre-tax 401(k)/HSA contributions lower your tax
- retirement income of up to $35,000 per person at ages 62 to 64 (or if permanently disabled), and up to $65,000 at 65 or older, is excluded from Georgia income, including pensions, interest, dividends, rental income, capital gains and up to $5,000 of earned income
Limitations & assumptions
- The calculator applies Georgia's 2026 standard deduction but not the $5,000 dependent deduction, the retirement income exclusion, the Social Security subtraction, the $250 Qualifying Child Credit or HB 463's temporary exclusions for qualified overtime compensation and cash tips, and it ignores Georgia itemized deductions, so retirees, parents and workers with overtime or tips will usually owe less than shown.
- The 2026 Form 500 instructions are not yet published; the 2026 rate and deductions come from HB 463 and the Department of Revenue's 2026 Employer's Tax Guide.
- Local/city income taxes aren't included; Georgia applies its 4.99% rate statewide.
- Rates change: HB 463 lowered the rate from 5.19% (2025) to 4.99% for 2026; it was 5.39% in 2024. Current law then cuts it by 0.125 point a year from January 1, 2027, until it reaches 3.99%, but each cut is delayed a year whenever the scheduled standard-deduction increase is delayed under O.C.G.A. 48-7-27(a)(1.1), so a 2027 rate below 4.99% is not yet certain.
- Federal calculation uses current brackets and the standard deduction unless you itemize.
- This is an estimate, not tax advice — verify against your actual return.
Official sources
Official publications for rules and figures this page uses. Rates and rules change, so confirm the current figures with the publisher before you rely on them:
- Georgia Department of Revenue: Retirement Income Exclusion (dor.georgia.gov)
- Georgia Department of Revenue: 2026 Employer's Tax Guide (dor.georgia.gov)
- Georgia Department of Revenue: 2025 IT-511 Individual Income Tax Booklet (dor.georgia.gov)
- Georgia General Assembly: HB 463 (2026), as passed (legis.ga.gov)
- Georgia Department of Revenue: Qualifying Child Credit (dor.georgia.gov)
- Georgia Department of Revenue: Georgia Surplus Tax Refund (dor.georgia.gov)
Frequently asked questions
What is the Georgia state income tax rate?
How much is $75,000 taxed in Georgia?
Does Georgia have a standard deduction?
How much is $100,000 taxed in Georgia?
Is Georgia's income tax going down?
Does Georgia tax retirement income?
When will Georgia's income tax reach 3.99%?
Does Georgia have a child tax credit?
Is the Georgia surplus tax refund taxable?
Do I file a Georgia return if I live in another state?
Disclaimer: KalkWise calculators are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Results are estimates based on the figures you enter and the assumptions described above. Actual outcomes will vary. Consult a qualified professional before making financial decisions.