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Homeโ€บUSโ€บGeorgia Retirement Tax Calculator

Georgia Retirement Tax Calculator 2026

$65,000 exclusion at 65+ means most retirees pay $0 โ€” Social Security is always exempt.

$
Always exempt in Georgia
$
$
$
Interest, dividends, capital gains, rental
Determines retirement exclusion amount
Georgia tax on your retirement income
$0/year
Income
Social Security$30,000 (exempt)
Pension income$20,000
401(k)/IRA withdrawals$15,000
Total retirement (excl. SS)$35,000
Exclusions & Deductions
Retirement exclusion (65 or older)โˆ’$35,000
Remaining after exclusion$0
GA standard deductionโˆ’$0
Tax
GA taxable income$0
GA tax (5.49% flat)$0
Effective rate on total income0.0%
Your retirement income is fully covered by Georgia's exclusion and standard deduction. You owe $0 in Georgia state tax.
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Georgia Retirement Tax Calculator 2026 ยท Updated April 2026

How to Use This Calculator

Tab "Tax on My Retirement Income"

Enter your Social Security benefits, pension income, 401(k)/IRA withdrawals, and any other retirement income (interest, dividends, capital gains, rental). Select your filing status and age group. The calculator applies Georgia's retirement income exclusion and standard deduction to show your actual state tax liability.

Tab "What's Exempt?"

A summary of everything Georgia exempts from tax in retirement. Social Security is always 100% exempt. The retirement income exclusion covers pension, 401(k), IRA, interest, dividends, capital gains, and rental income โ€” up to $65,000 per person at age 65+ ($130,000 for married filing jointly).

Tab "Compare States"

See how Georgia stacks up against Florida (no income tax), Pennsylvania (retirement income exempt), and North Carolina (4.5% flat rate, no retirement exclusion). For most retirees under the $65K exclusion, Georgia is effectively $0 โ€” matching no-income-tax states.

Georgia Retirement Income Tax Rules

Social Security: Always 100% exempt โ€” not taxed by Georgia.

Retirement Income Exclusion (per person, per year):
Under 62: $35,000
Ages 62โ€“64: $35,000
Ages 65+: $65,000 ($130,000 MFJ)

What the exclusion covers:
Pension income, 401(k)/IRA withdrawals, interest, dividends, capital gains, rental income, and earned income.

Military retirement (under 62): Up to $35,000 excluded.

Georgia tax calculation:
1. Start with total retirement income (excluding Social Security)
2. Subtract the retirement income exclusion ($65K at 65+)
3. Subtract the GA standard deduction ($12,000 single / $24,000 MFJ)
4. Tax the remainder at 5.49% (2026 flat rate)
If the result is negative or zero, you owe $0.

Georgia moved to a flat income tax rate starting in 2024. The 2026 rate is 5.49%. The state has been gradually reducing the rate from 5.75% in 2023. Future reductions depend on state revenue meeting trigger thresholds.

Example

$65K Total Income, Single, Age 68

Social Security: $30,000. Pension + 401(k): $35,000. Filing single, age 68.

Social Security$30,000 (exempt = $0 tax)
Pension + 401(k)$35,000
Retirement exclusion (65+)-$35,000 (fully covered)
Remaining after exclusion$0
Georgia state tax$0

At $100K total ($30K SS + $70K other), age 68, single: $70K - $65K exclusion = $5K - $12K standard deduction = negative = still $0 tax. You need retirement income well above $77K (excluding SS) before Georgia taxes anything.

Frequently Asked Questions

Georgia allows residents 65 and older to exclude up to $65,000 per person from their taxable income. This exclusion applies to all types of retirement income: pensions, 401(k) and IRA withdrawals, interest, dividends, capital gains, and rental income. For married couples filing jointly where both are 65+, the exclusion doubles to $130,000. Any income above the exclusion is then reduced by the standard deduction ($12,000 single / $24,000 MFJ) before the 5.49% tax rate applies.
No. Georgia fully exempts Social Security benefits from state income tax, regardless of your age or total income level. This is separate from the retirement income exclusion โ€” Social Security does not count against your $65,000 exclusion. A retiree receiving $40,000 in Social Security and $65,000 in pension income would pay $0 in Georgia state tax (SS exempt + pension covered by exclusion).
Yes, but the amount is lower. Retirees under 62 and those between 62-64 can exclude up to $35,000 per person ($70,000 MFJ). The exclusion covers the same income types as the 65+ exclusion: pensions, 401(k)/IRA withdrawals, interest, dividends, capital gains, and rental income. Military retirees under 62 can also exclude up to $35,000 of military retirement pay.
For most retirees with moderate income, Georgia is effectively the same as no-income-tax states like Florida and Texas. A single retiree at 65+ can have up to $77,000 in non-SS retirement income ($65K exclusion + $12K standard deduction) before any Georgia tax applies. MFJ couples get $154,000 ($130K + $24K). Only retirees with retirement income significantly above these thresholds will pay meaningful state tax in Georgia.
401(k) withdrawals and traditional IRA distributions are subject to Georgia income tax, but they qualify for the retirement income exclusion. At 65+, the first $65,000 per person is excluded. So a retiree withdrawing $50,000 from a 401(k) would owe $0 in Georgia tax. Roth IRA and Roth 401(k) qualified distributions are tax-free at both federal and state levels and do not count against the exclusion.

Related Calculators

🌴 Florida Retirement Tax Calculator
No state income tax โ€” the gold standard for retirement.
🏝️ Georgia Paycheck Calculator
Take-home pay with 5.49% flat rate for working income.
📋 Social Security Tax Calculator
Federal tax on SS benefits โ€” provisional income thresholds.
🏠 Georgia Property Tax Calculator
County-level property tax rates across Georgia.

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