Estimate Georgia take-home pay and employer payroll cost with federal withholding, FICA, Georgia state withholding, the 2026 HB 463 flat-rate update, Georgia G-4 dependent allowances, Georgia overtime and cash-tip exclusion inputs, Georgia unemployment insurance, the temporary administrative assessment, FUTA, workers compensation load, and other employer cost assumptions.
| Tax or contribution | Who pays | 2026 rule used | Calculator treatment |
|---|---|---|---|
| Federal income tax | Employee withholding | IRS Publication 15-T automated percentage method. | Annualizes wages, applies W-4 status, Step 2, Step 3, Step 4(a), Step 4(b), and Step 4(c). Optional supplemental bonus mode uses a 22% federal flat rate. |
| Georgia state withholding | Employee withholding | HB 463 reduces Georgia's flat individual income tax rate to 4.99% for taxable years beginning on or after January 1, 2026. | Uses a percentage-method model: Georgia taxable wages less the applicable per-period standard deduction and dependent allowances, multiplied by the editable Georgia rate, plus extra withholding. |
| Georgia overtime and cash-tip exclusions | Employee withholding impact | HB 463 creates temporary exclusions for up to $1,750 of qualified overtime compensation and up to $1,750 of qualified cash tips for 2026 through 2028. | Lets the user enter qualified current-check amounts and YTD exclusion already used, then caps each exclusion at the remaining annual $1,750 limit. |
| Local income taxes | Not applicable | Georgia Code section 48-7-140 prohibits local income taxes by political subdivisions of the state. | Shows a $0 local income-tax line and removes Ohio municipal and school district inputs. |
| Georgia UI and administrative assessment | Employer | Georgia UI taxable wage base is $9,500. SB 160 keeps the 0.06% administrative assessment through 2026, subject to exceptions. New-employer total is commonly 2.70% when 2.64% contribution plus 0.06% assessment applies. | Uses YTD wages before this check for the $9,500 cap, with editable UI and assessment rates. |
| FUTA and workers compensation | Employer | FUTA is generally net 0.6% to the first $7,000 when the full state credit applies. Georgia employers regularly employing three or more people generally must provide workers compensation coverage. | Applies editable FUTA rate to the federal wage base and provides optional workers comp and other employer-load percentages. |
This calculator is a planning estimate, not payroll tax, legal, or accounting advice. Georgia payroll can differ because of DOR transition instructions after HB 463, employee G-4 elections, multi-state wage allocation, resident/nonresident status, qualified overtime and tip definitions, pre-tax deduction treatment, taxable fringe benefits, employer-specific Georgia UI notices, administrative assessment exceptions, workers compensation classification rates, tax treaty rules, and supplemental wage handling.
Primary references: IRS Publication 15-T, IRS Publication 15, Georgia DOR withholding tax for employers, Georgia Employer's Withholding Tax Guide, Governor's HB 463 announcement, signed HB 463 text, Georgia Code section 48-7-140, Georgia DOL employer UI FAQ, 2026 Georgia employer rate notices, Georgia SB 160, and Georgia workers compensation employer information.
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