GA Paycheck Calculator

Use this GA paycheck calculator to estimate your take-home pay in Georgia for 2026. Enter your pay, your federal W-4 details and your Georgia G-4 details. It works out federal income tax, Social Security, Medicare and Georgia state income tax at the new 4.99% rate, then shows what’s left per paycheck and per year, with the working behind every line.

About the GA paycheck calculator

Georgia changed its withholding in the middle of 2026. House Bill 463 cut the income tax rate, raised the standard deduction and raised the dependent allowance, all backdated to January 1. A calculator still using last year’s figures will take too much out of your estimate.

• The 2026 Georgia figures. A flat 4.99%, a $15,000 standard deduction for single filers and $30,000 for married couples filing jointly, and $5,000 for each dependent.
• Your Form G-4 status. Including the “both spouses working” choice, which changes the deduction and trips a lot of couples up.
• Federal withholding done properly. The IRS percentage method for the current W-4, with dependent credits and the Step 2 checkbox.
• Pre-tax and after-tax deductions. 401(k), health benefits and anything taken after tax.
• Per paycheck and per year. Every line in both columns.
• The working. Open it to see each step, so you can match it to a pay stub.

It runs in your browser. Nothing you enter is sent anywhere or saved. It’s an estimate, not tax advice.

How to use the GA paycheck calculator

1. Enter your pay. Salary or hourly, and how often you’re paid.
2. Enter your federal W-4. Filing status, and the Step 3 credit amount if you have dependents.
3. Enter your Georgia G-4. Marital status as you marked it on the form, and the number of dependents.
4. Add deductions if you have them: a 401(k) percentage, pre-tax benefits, after-tax deductions.
5. Read the result. Take-home pay is the headline. The table shows where the rest went.

Georgia income tax in 2026: what changed

The left column is from the Georgia Department of Revenue’s withholding guide as revised in December 2025. The right column is what the Department put into its revised guide in June 2026, as reported by EY Tax News and National Tax Tools.

The cut applies to all of 2026. But it was signed in May, and employers could only start withholding at 4.99% from May 11, 2026. So your paychecks from January to early May were withheld at 5.19% with the smaller deduction. That extra comes back when you file your 2026 return.

The law also schedules further cuts of 0.125 points a year until the rate reaches 3.99%. This calculator uses the 2026 figures only.

How Georgia withholding is worked out

The Department of Revenue’s percentage method has three steps:

1. Take your taxable wages and subtract the standard deduction for your G-4 marital status.
2. Subtract the dependent allowance for each dependent you claim.
3. Multiply what’s left by the tax rate.

The GA paycheck calculator does this on yearly figures and divides by your number of paychecks.

“Taxable wages” here means your pay after pre-tax deductions such as a traditional 401(k) and health premiums.

GA paycheck calculator example: $60,000

A single filer earns $60,000 a year, paid every two weeks, with no dependents and no deductions.

That’s what the GA paycheck calculator shows when it first loads. The Georgia line: $60,000 less $15,000 is $45,000. At 4.99% that’s $2,245.50 a year, or $86.37 a paycheck. You keep 80.2% of your gross pay.

Under the old figures the same person would have owed ($60,000 – $12,000) x 5.19% = $2,491.20. The new law saves them $245.70 a year. The rate cut alone accounts for $90 of that. The larger standard deduction accounts for the rest.

Georgia take-home pay by salary

Single filer, paid every two weeks, no dependents or deductions.

Georgia’s rate is flat, but the standard deduction makes the effective rate climb with income. At $30,000 the state takes 2.5% of gross pay. At $150,000 it takes 4.5%.

Example: a family on one income

One spouse earns $100,000, paid every two weeks. They file jointly, the other spouse doesn’t work, and they have two children. On the federal W-4 they claim $4,000 of credits. On the G-4 they mark “married filing joint, one spouse working” with two dependents.

• Georgia: $100,000 – $30,000 – (2 x $5,000) = $60,000. At 4.99% that’s $2,994 a year, or $115.15 a paycheck.
• Federal income tax: $140.00 a paycheck.
• Take-home pay: $3,296.77 a paycheck, $85,716.00 a year.

If both spouses work

This is the G-4 choice that matters most. The Department’s guide says married couples who both have income should use the married filing separate deduction. So on the 2026 figures, each spouse gets $15,000 on their own paycheck.

If you both mark “one spouse working” by mistake, each employer subtracts $30,000. Together that’s $60,000 of deduction when your joint return only allows $30,000. Too little is withheld all year, and the gap is $30,000 x 4.99% = $1,497 owed at filing.

A spouse earning $60,000 on the “both working” status has $86.37 of Georgia tax withheld per biweekly paycheck, the same as a single filer.

How deductions change the Georgia line

Take the $60,000 example and add a 6% traditional 401(k) and $100 a paycheck of pre-tax health benefits.

• Georgia taxable wages fall to $60,000 – $3,600 – $2,600 = $53,800.
• Less the $15,000 deduction: $38,800. At 4.99%: $1,936.12 a year, or $74.47 a paycheck.
• Take-home pay: $1,661.41 a paycheck.

Your pay drops by $190.29 a paycheck, but $238.46 went into your 401(k) and benefits. The tax saving covers the difference.

How often you’re paid

Pay frequency changes the size of each check, not the yearly total. Here’s the $60,000 single filer on each schedule in the GA paycheck calculator.

All four add up to the same $48,144.50 a year. If you’re paid every two weeks, two months of the year have three paychecks. Budget on two and treat the third as a bonus.

What each dependent is worth

Each dependent you claim on Form G-4 takes $5,000 off your Georgia taxable wages. At 4.99% that’s $249.50 a year, or about $9.60 a paycheck when you’re paid every two weeks.

That table changes only the Georgia line. Dependents usually lower your federal withholding too, through the credits in Step 3 of the W-4. Enter those in section 2 and the GA paycheck calculator applies both.

Your G-4 and your W-4 are separate forms

Your employer keeps two withholding forms for you. The federal W-4 sets federal income tax. Georgia’s G-4 sets state tax. They ask different questions, and nothing forces them to agree.

Check your G-4 after a change that affects your taxes: marriage or divorce, a spouse starting or stopping work, a new child, or a second job. The 2026 law change is also a good reason to look. You can give your employer a new G-4 at any time. Use the GA paycheck calculator to see what a different status or dependent count would do before you file one.

Ways to change your take-home pay

• Fix the G-4 status. A married couple with one earner who is marked single has $15,000 too little deduction. On $60,000 that’s $748.50 a year of extra Georgia withholding.
• Claim the dependents you’re entitled to. $249.50 a year each on the Georgia line.
• Use pre-tax benefits. A health savings account or a traditional 401(k) lowers federal and Georgia taxable wages.
• Or withhold more on purpose. If you owed last April, add an extra amount per paycheck on either form. The calculator has a box for each.

None of these changes the tax you owe for the year. They change how much of it is collected from each paycheck and how much is settled at filing.

Hourly pay

The GA paycheck calculator handles hourly pay too. Switch to hourly and enter your rate and hours. At $25 an hour for 40 hours, paid weekly, gross pay is $1,000.00. Georgia tax is $35.51 and take-home pay is $809.91 a week, or $42,115.70 a year. Overtime hours are paid at 1.5 times your rate.

No local income tax in Georgia

Georgia cities and counties don’t tax wages. There’s no county line to choose and no city tax to add. That makes a Georgia paycheck simpler than one in Indiana or Maryland, where a county rate sits on top of the state’s.

For comparison, the same $60,000 single filer takes home $1,825.29 a paycheck in Marion County, Indiana, and $1,906.06 in Washington, which has no income tax on wages. Georgia’s $1,851.70 sits between them. See our Indiana, Washington and Maryland paycheck calculators.

Claiming exempt on Form G-4

Form G-4 lets employees who meet its conditions claim exemption from withholding. Tick the box and the GA paycheck calculator sets the Georgia line to zero.

Claiming exempt stops the withholding. It doesn’t cancel the tax. If you turn out to owe, you pay it when you file. Read the form’s conditions before you use it.

Reading your result

• Take-home pay. What reaches your bank after every line in the table.
• Federal income tax. From your W-4. This is usually the largest line.
• Social Security and Medicare. 6.2% and 1.45% of your pay after pre-tax benefits.
• Georgia state tax. From your G-4, at 4.99%.
• Per year. Each per-paycheck figure times your number of paychecks.

If your pay stub doesn’t match

• Your employer hasn’t switched rates. Withholding at 4.99% was allowed from May 11, 2026, and payroll systems updated at different times.
• Your G-4 says something else. Your employer withholds from the form on file. If its marital status or dependents differ from what you entered here, the numbers will too.
• The tax tables. Employers may use the Department’s wage-bracket tables. The guide says results from the tables and the percentage method “will differ slightly”.
• A bonus. Georgia withholds bonuses and similar pay at the flat rate.
• Benefits you didn’t enter. Check the stub for pre-tax lines.

What the GA paycheck calculator doesn’t cover

• Your final tax bill. Withholding is an estimate of it. Other income, itemized deductions and credits are settled on your return.
• Bonuses and commissions paid separately.
• Self-employment. There’s no employer share or estimated tax here.
• Living in one state and working in another.
• Years other than 2026.

Related calculators

Deciding what to do with what’s left? The DRIP calculator shows what reinvested dividends add up to, and the CoastFIRE calculator shows how much you need invested to stop saving for retirement.

Sources

• Georgia Department of Revenue, Employer’s Withholding Tax Guide, revised December 2025: the percentage method, Form G-4 statuses, and the rule for couples who both have income.
• EY Tax News, “Georgia Department of Revenue releases revised withholding formula reflecting lower income tax rate for 2026” (June 17, 2026): the 4.99% rate, its effective date, the standard deductions and the scheduled future cuts.
• National Tax Tools, Georgia payroll page, citing the Department’s 2026 guide: the $5,000 dependent allowance and the May 11, 2026 start for withholding at the new rate.
• Federal withholding, Social Security and Medicare: IRS Publication 15-T and Publication 15, 2026.

The Department’s own website could not be reached when this page was written on October 8, 2026, so its June 2026 guide was not read directly. The 2026 figures come from the two reports above.