Georgia Paycheck Calculator – Find Out Your Take-Home Pay

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Understanding your paycheck in Georgia can feel tricky. While Georgia doesn’t have as high tax rates as states like New York or California, employees still pay federal income tax, Social Security, Medicare, and Georgia state income tax. On top of that, voluntary deductions like health insurance, retirement contributions, or union dues can reduce your take-home pay. That’s why a Georgia Paycheck Calculator is so important.

A Georgia Salary Calculator or Georgia Take Home Pay Calculator shows exactly what you’ll receive in your bank account after all taxes and deductions are applied. Whether you’re paid hourly, weekly, biweekly, or monthly, using a Georgia Paycheck Estimator helps you plan expenses, compare job offers, and manage your savings better.

In this blog, we’ll explain what a Georgia paycheck calculator is, how it works, and why the Zimyo Georgia Paycheck Calculator is one of the simplest and most accurate tools available.

What is a Paycheck Calculator?

A paycheck calculator is an online tool that shows your net pay, which is the money left after subtracting taxes and deductions from your gross pay. 

  • You enter your income, pay frequency (weekly, biweekly, monthly, etc.), and deductions. 
  • The calculator applies tax rules and subtracts withholdings. 
  • It then displays your take-home pay. 

Think of it like this: 

  • Gross pay = your job offer salary. 
  • Net pay = your real income after taxes and deductions. 

What is a Georgia Paycheck Calculator?

A Georgia paycheck calculator calculates your earnings after subtracting: 

  • Federal income tax 
  • Social Security tax (6.2%) 
  • Medicare tax (1.45%) 
  • Georgia state income tax (progressive rates from 1% to 5.75%) 
  • Voluntary deductions (retirement plans, health insurance, etc.) 

Unlike some states with city-level income taxes, Georgia only has a state income tax, which makes paycheck calculations simpler than in states like New York. 

Example: If you earn $60,000/year, Georgia’s flat state tax rate of 5.75% would mean about $3,450 annually in state income taxes, on top of federal taxes. 

Why Should You Use a Georgia Paycheck Calculator?

A Georgia Paycheck Calculator gives you financial clarity by showing how much of your gross salary actually becomes take-home pay. 

Benefits include: 

  • Plan your monthly budget with real numbers. 
  • Compare salaries for jobs in Georgia with accurate tax deductions. 
  • Check your Georgia Hourly Paycheck Calculator results with overtime pay. 
  • Estimate your Georgia Biweekly Paycheck or monthly paycheck. 
  • See how voluntary deductions (401k, health insurance, etc.) reduce taxable income. 

According to the Georgia Department of Revenue, personal income tax collections exceeded $16 billion in 2023, showing how significant paycheck withholdings are for workers across the state. 

Key Components of a Georgia Paycheck Calculator

A reliable Georgia Paycheck Calculator doesn’t just give you one number. It breaks down each part of your paycheck so you know exactly where your money is going. Let’s walk through the main components with Georgia-specific examples. 

1. Earnings

This is the starting point of every paycheck. Earnings mean your gross pay before any taxes or deductions. 

  • Salaried employees: If you earn $60,000/year, your monthly gross pay is $5,000. 
  • Hourly employees: At $25/hour for 40 hours a week, you’ll earn $1,000/week gross. 
  • Overtime: Overtime is paid at 1.5× your hourly rate. At $25/hour, 5 extra hours = $187.50 more. 
  • Bonuses/commissions: A $2,000 bonus gets added in the pay period it’s received. 

Example: A salaried worker with $60,000/year plus a $2,000 holiday bonus in December → December gross earnings = $7,000 ($5,000 + $2,000). 

2. Federal Taxes

Federal taxes apply everywhere, including Georgia. They include: 

  • Federal Income Tax: Based on your W-4 form and IRS tables. 
  • Social Security (6.2%): Up to $168,600 in 2024. 
  • Medicare (1.45%): Taken from all wages, plus 0.9% surtax for high earners. 

Example: On $60,000/year, you’ll pay about: 

  • $6,600 in federal income tax 
  • $3,720 in Social Security 
  • $870 in Medicare 

➡ Total ≈ $11,190 annually in federal taxes. 

3. State Taxes (Georgia-Specific)

Unlike states like New York, Georgia only charges a state income tax, with no city-level taxes. 

  • Progressive rates from 1% to 5.75%. 
  • Rate depends on your income bracket. 

Example: If you earn $60,000/year, expect about $3,450 in Georgia state tax annually. 

This makes paycheck calculations easier compared to states that also add local or city taxes. 

4. Benefits

Benefits are deductions tied to your employer’s offerings. They affect your taxable income. 

  • Pre-tax benefits: Reduce taxable income before taxes are applied. 
  • Example: Contributing $500/month to a 401k lowers taxable income from $5,000 to $4,500. 
  • Post-tax benefits: Taken after taxes. 
  • Example: $100/month in union dues is subtracted after taxes are withheld. 

Example: 

  • Gross income = $5,000/month. 
  • Pre-tax 401k = $500 → taxable income = $4,500. 
  • After taxes, post-tax union dues of $100 are taken. 

➡ Final take-home pay is gross minus taxes and deductions. 

So in short: 

  • Earnings = salary, wages, overtime, bonuses. 
  • Federal Taxes = income tax, Social Security, Medicare. 
  • State Taxes = Georgia’s 1%–5.75% rates. 
  • Benefits = deductions like retirement savings or insurance that reduce net pay. 

According to the U.S. Bureau of Labor Statistics, the average annual wage in Georgia was $60,530 in 2023, meaning paycheck withholdings for taxes and benefits directly impacted more than 4.9 million employed workers across the state. 

Georgia Payroll Taxes – Employer Withholding Explained

When you work in Georgia, your paycheck has several mandatory withholdings. These deductions are made by your employer and sent directly to the IRS or state agencies. Let’s break down each one in detail with examples. 

1. Federal Income Tax

  • What it is: A tax collected by the U.S. government on your income. 
  • How it’s calculated: Based on IRS tax tables, your earnings, filing status (single, married, head of household), and information you provide on your W-4 form. 
  • Example: If you earn $60,000 annually and file as single, you might pay around $6,600/year in federal income tax (≈ $550/month). 

2. Social Security (6.2%)

  • What it is: A payroll tax that funds retirement, disability, and survivor benefits. 
  • Rate: 6.2% of your wages, applied up to the annual wage base limit ($168,600 in 2024). 
  • Example: If you earn $60,000/year, your Social Security contribution will be $3,720/year. If you earn above $168,600, you don’t pay Social Security tax on the income that exceeds that cap.

3. Medicare (1.45%)

  • What it is: A payroll tax that funds Medicare health insurance for seniors and certain disabled individuals. 
  • Rate: 1.45% of all wages, with no income cap. High earners also pay an extra 0.9% surtax once income exceeds $200,000 (single) or $250,000 (married filing jointly). 
  • Example: On $60,000/year, you’ll pay $870/year in Medicare tax. If you earn $250,000 as a single filer, the portion above $200,000 would also get taxed at an extra 0.9%. 

4. Georgia State Income Tax (1%–5.75%)

  • What it is: A state-level tax collected by the Georgia Department of Revenue. 
  • Rate: Progressive, ranging from 1% (lowest income) to 5.75% (highest income). 
  • Example: If you earn $60,000/year, your Georgia state income tax would be about $3,450/year. 

5. Voluntary Deductions

  • What it is: Deductions based on your benefit selections with your employer. These may be pre-tax or post-tax. 
  • Pre-tax examples: 401(k) contributions, health insurance premiums, commuter benefits. These lower your taxable income. 
  • Post-tax examples: Roth 401(k), union dues, charitable contributions. These are taken after taxes. 
  • Example: If you contribute $500/month to a 401(k), your taxable income drops from $5,000/month to $4,500/month, lowering your federal and state taxes. 

Employer-Only Contributions (Not Deducted From Employee Paycheck)

1. Georgia State Unemployment Insurance (SUI)

  • What it is: A tax employers pay to fund unemployment benefits for workers who lose jobs through no fault of their own. 
  • Rate: Varies by employer, generally between 0.04% and 8.1% of the first $9,500 in wages per employee. 
  • Important: Employees do not pay SUI; only employers are responsible. 

2. FUTA (Federal Unemployment Tax Act)

  • What it is: A federal tax employers pay to support the federal unemployment program. 
  • Rate: 6% on the first $7,000 of each employee’s wages. Employers usually receive a credit of up to 5.4% if they also pay state unemployment taxes, reducing the effective rate to 0.6%. 
  • Important: Employees do not pay FUTA; it’s strictly an employer cost. 
Summary:
  • Withheld from employees: Federal income tax, Social Security, Medicare, Georgia state tax, and voluntary deductions. 
  • Paid by employers only: Georgia SUI and FUTA. 

This system ensures both state and federal governments receive the necessary funds to provide social benefits, healthcare, and unemployment programs. 

How to Use a Georgia Paycheck Calculator

Following is Calculation Process you need to work upon to calculate paycheck in Georgia:

Georgia Paycheck Calculation Process

Here’s a step-by-step guide with examples. 

Step 1 — Enter gross income

  • Salary: $72,000/year → $6,000/month gross. 
  • Hourly: $25/hour × 40 hours = $1,000/week gross. 

Step 2 — Select pay frequency

  • Weekly: 52 paychecks/year → $1,385 gross. 
  • Biweekly: 26 paychecks/year → $2,769 gross. 
  • Monthly: 12 paychecks/year → $6,000 gross. 

Step 3 — Add deductions

  • Pre-tax: $500/month 401k reduces taxable income from $6,000 to $5,500. 
  • Post-tax: $50/month union dues are deducted after taxes. 

Step 4 — Factor in overtime

  • Hourly rate: $25/hour. 
  • 5 extra hours × $37.50 = $187.50 overtime added. 

Step 5 — Review taxes

On $6,000/month in Georgia: 

  • Federal taxes ≈ $1,000 
  • State tax ≈ $287 
  • Social Security + Medicare ≈ $459 
  • Net before benefits ≈ $4,254 

Step 6 — Get net pay

After pre-tax 401k ($500) + post-tax union dues ($50): 

  • Final Net Pay ≈ $3,704/month 

Why Zimyo Georgia Paycheck Calculator is Different?

The Zimyo Georgia Paycheck Calculator is tailored for employees and employers in Georgia. 

  • Easy-to-use: Quick results with simple inputs. 
  • Accurate: Includes federal + Georgia-specific tax rates. 
  • Flexible: Works for salaried, hourly, or overtime pay. 
  • Transparent: Shows a full Georgia paycheck breakdown with all taxes and deductions. 
Don’t just give your HR team a tool, Give them the best. HRMS makes their work faster and easier.

Conclusion

Georgia may not have the highest tax rates in the U.S., but understanding your real income still matters. A Georgia Paycheck Calculator helps you see exactly what you’ll take home after federal, Social Security, Medicare, and state taxes. 

The Zimyo Georgia Paycheck Calculator makes it simple. It applies IRS rules and Georgia’s 1%–5.75% tax rates, then shows your net pay instantly. This way, you can budget better, compare salaries, and plan for the future. 

Don’t just give your HR team a tool, Give them the best. HRMS makes their work faster and easier.

Frequently Asked Questions (FAQs)

Does Georgia have a state income tax?

Yes. Georgia has a progressive income tax system, which means the percentage you pay depends on how much you earn. The rates range from 1% to 5.75%. For example, someone earning $25,000 will pay less tax percentage-wise compared to someone earning $150,000. This system makes sure higher earners contribute a bigger share. 

No. Unlike New York City, which has an extra city-level income tax, Georgia does not charge city or county income tax. Workers only pay the state-level income tax plus federal taxes. So whether you live in Atlanta, Savannah, or a smaller Georgia town, the income tax rates are the same statewide.

A Georgia paycheck usually includes: 

  • Federal income tax → taken by the IRS, based on your income and tax bracket. 
  • Social Security (6.2%) → a federal program that supports retirement and disability benefits. 
  • Medicare (1.45%) → funds healthcare for people over 65 and some with disabilities. 
  • Georgia state income tax (1%–5.75%) → the state’s share. 
  • Voluntary deductions → things you choose, like 401(k) retirement savings, health or dental insurance, or union dues. 

Yes. If you earn overtime, you can enter those hours into the Georgia paycheck calculator. By law, overtime is paid at 1.5 times your regular hourly rate for hours worked beyond 40 in a week (if you are eligible under FLSA rules). For example, if your hourly rate is $20, overtime is $30/hour.

  • Gross pay = your total salary or wages before anything is taken out (base pay + overtime + bonuses). 
  • Net pay = the amount you actually take home after all deductions and taxes are subtracted. 

Example: If your gross pay is $5,000 a month, but after taxes and deductions you receive $3,800, then $3,800 is your net pay. 

The calculator uses the latest IRS federal tax tables and Georgia state tax rules to give a close estimate. However, actual paychecks may vary slightly because of things like exact withholding choices, voluntary benefits, or employer-specific deductions. 

Yes. Employers have their own share of payroll taxes: 

  • Georgia State Unemployment Insurance (SUI) → helps fund unemployment benefits for workers who lose jobs. Employees do not pay this. 
  • Federal Unemployment Tax (FUTA) → a federal employer-only tax that funds unemployment programs nationwide. 
    This is in addition to their share of Social Security and Medicare contributions. 

The paycheck calculator gives you a clear view of your take-home pay (net income). Knowing this helps you: 

  • Plan monthly expenses (rent, utilities, groceries). 
  • Decide how much to save. 
  • Estimate what’s left for discretionary spending. 
    It’s a practical tool for financial planning, especially if your pay frequency changes (weekly vs. monthly). 

Georgia’s top tax rate of 5.75% is considered moderate in the U.S.: 

  • Lower than high-tax states like California (13.3%) and New York (10.9%). 
  • Higher than states with no income tax like Florida, Texas, and Tennessee. 
    So Georgia falls somewhere in the middle, offering a balance between revenue collection and affordability for residents. 
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