Retiring in Georgia

Every figure below is sourced to Georgia’s own publications and dated. Estimates only, and not tax advice.

Retirement tax by state

What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.

Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.

Decided on the two rates that actually govern it — yours now, and yours at withdrawal, in the state you'll retire in rather than the one you're in.

2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.

When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.

What a backdoor Roth conversion would actually cost you in tax — the pro-rata rule most calculators only describe.

The tax a leveraged rental owes inside a self-directed IRA — computed at trust rates, not the rate you'd assume.

401(k) and IRA withdrawals: Partly excluded; From age 65.
Social Security: Not taxed
Top marginal rate: 4.99%; A flat rate on all taxable income.
Tax year: 2026; Brackets are legislated and change on a fixed calendar, so the year matters.

Georgia exempts Social Security in full and does not let it consume the retirement income exclusion, which makes it one of the more generous states for a retiree over 65 despite having an ordinary-looking flat tax.
The age gate is the whole story: a 61-year-old drawing a private pension gets nothing, a 62-year-old gets $35,000, and a 65-year-old gets $65,000 -- with the military under-62 exclusion as the only bridge for a younger retiree.
Retirement-treatment figures on this record are tax year 2025 amounts, because the 2026 IT-511 individual instruction booklet is not published yet while the 2026 rate and standard deduction are. HB 463 raises the retirement income exclusion to $70,000 beginning in 2027.