Retirement taxes by state
How Georgia taxes retirement income in 2026
Georgia has a flat 4.99% income tax. Here's how Georgia treats Social Security, retirement-account withdrawals, pensions and Roth conversions in 2026 — and what that means in dollars: a retired couple, both 67, with $98,000 of income pays nothing in Georgia income tax.
Updated October 2026 · 2026 tax year
Georgia at a glance
- Flat 4.99% income tax.
- Social Security isn't taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $35,000 per person excluded at ages 62–64.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $65,000 per person excluded from age 65.
- Extra $1,300 deduction per person from age 65.
- Changes already passed into law for 2027 are included.
Georgia retirement tax questions
Does Georgia tax Social Security?
No. Social Security isn't taxed.
Does Georgia tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $35,000 per person excluded at ages 62–64. Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $65,000 per person excluded from age 65. Also: extra $1,300 deduction per person from age 65.
Does Georgia tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $35,000 per person excluded at ages 62–64. Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $65,000 per person excluded from age 65.
Does Georgia tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $35,000 per person excluded at ages 62–64. Retirement income (pensions, 401(k)s, IRAs, Roth conversions, interest, dividends and gains): up to $65,000 per person excluded from age 65. Anything above that is taxed like other income.
What is Georgia's income tax rate in 2026?
Georgia has a flat 4.99% income tax.
What retirees actually pay in Georgia: three examples
Calculated with Retirology's tax engine under 2026 law, using each state's standard deduction, its retirement breaks and the 2026 federal rules for how much Social Security is taxable. That couple would owe nothing in Georgia — one of 24 states (counting DC) where they'd pay $0.
| Household | Total income | Georgia tax | Share |
|---|---|---|---|
| Retired couple, both 67 $48,000 of Social Security, $40,000 drawn from IRAs and 401(k)s, and $10,000 of qualified dividends | $98,000 | $0 | 0.0% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $0 | 0.0% |
| Early-retired couple, both 56, converting to Roth A $60,000 Roth conversion and $20,000 of long-term gains and qualified dividends, living on savings | $80,000 | $2,794 | 3.5% |
State income tax only — before local taxes, property tax relief and credits not listed above. Federal income tax is extra and the same in every state.
Details and limits
4.99% for 2026 (HB 463, May 2026); further cuts depend on revenue triggers so aren't assumed. Retirement exclusion (incl. interest, dividends, gains) $35k at 62-64, $65k at 65+, rising to $70k in 2027. HB 463's 2027 standard-deduction increase isn't included.
Sources
Rates and rules for the 2026 tax year, from Retirology's state tax data (reviewed October 2026):
This page explains state tax rules in general terms. It isn't tax advice — check your state's official instructions or a tax professional for your situation.