How to Use This Calculator
Enter your income, filing status, and any deductions. The calculator computes your Georgia state income tax alongside your federal tax, showing exactly how much goes to each and what you take home.
The most useful thing to try? See how Georgia's flat 5.39% rate affects different income levels, then test how deductions and retirement contributions change your bottom line.
Here's what each field means:
Annual Income is your total earnings before any taxes. Include wages, freelance income, investment income, and any other sources.
Filing Status determines which deductions and exemptions apply. Georgia uses filing statuses similar to the federal system.
Georgia Income Tax: What You Need to Know
Georgia uses a flat income tax of 5.39% on all taxable income. Unlike states with progressive brackets, everyone pays the same percentage regardless of how much they earn. A teacher making $45,000 and a CEO making $500,000 both pay 5.39%.
Georgia transitioned from a graduated income tax to a flat tax system beginning in 2024 under HB 1015. The rate started at 5.49% in 2024 and drops to 5.39% in 2025, with plans to continue reducing it by 0.10% per year until it reaches 4.99%. Before this change, Georgia had a graduated system with rates from 1% to 5.75%. The flat tax simplifies calculations but shifted some tax burden from higher earners to lower earners.
A Real Example
Let's say you're a single filer earning $70,000 in Georgia. After applying the standard deduction of $12,000, your approximate Georgia state income tax would be around $3,126, for an effective state tax rate of about 4.5%.
That's just the state portion. Federal income tax and FICA taxes are additional.
Deductions and Exemptions
Standard Deduction: $12,000 for single filers and $24,000 for married couples filing jointly.
Georgia offers its own standard deduction ($12,000 single / $24,000 MFJ) and personal exemptions ($2,700 per person). Social Security benefits are not taxed. Residents 62+ can exclude up to $65,000 of retirement income ($130,000 for married couples).
Local Taxes
No local income taxes in Georgia.
Recent Changes
The flat tax transition is the biggest change. The rate will continue declining by 0.10% annually, targeting 4.99% as the eventual rate.
How to Use This Calculator Strategically
Model a raise or job change. With a flat tax, the math is simpler — every additional dollar is taxed at 5.39%. But deductions and credits can still shift your effective rate.
Compare filing statuses. Even with a flat rate, different filing statuses unlock different deduction amounts that can affect your bottom line.
Plan retirement contributions. See how 401(k) or IRA contributions reduce your Georgia taxable income and lower your state tax bill.
Evaluate a move. Compare Georgia's flat 5.39% rate to other states. Depending on your income level, a flat tax state might save you money — or cost you more — compared to a progressive system.
References
- Georgia Department of Revenue. (2025). Individual Income Tax.
This calculator is for educational purposes only and does not constitute tax or financial advice. Tax rates and rules change regularly. Consult a qualified tax professional for guidance specific to your situation.