20% income tax · 2% pension · what you can buy
Georgia Salary Calculator 2026 — Gross to Net and Back
Convert a Georgian gross salary to take-home pay or the other way round. See your pension savings and the flat price a bank can lend on.
Calculate
| Gross salary | ₾2.000 |
|---|---|
| Pension contribution (2%) | −₾40 |
| Income tax (20%) | −₾392 |
| Take-home pay | ₾1.568 |
- Employer contribution (2%)
- ₾40
- State contribution
- ₾40
- Total into pension per month
- ₾120
- Cost to employer
- ₾2.040
What flat can you afford?
National Bank rules cap the loan payment at 50% of take-home pay. 20 years, in lari, 10% down.
| Rate | Max payment | Max loan | Max flat price |
|---|---|---|---|
| 9,9% | ₾784 per month | ₾81.803 | ₾90.892 |
| 17,5% | ₾784 per month | ₾52.095 | ₾57.883 |
Rates are the banks’ published lari range. The bank sets the final terms. (9,9–17,5%)
Flats in this budgetFrequently asked questions
How is take-home pay calculated in Georgia?
The 2% pension contribution comes off first, then 20% income tax on the rest. Net = gross × 0.784. Example: ₾2,000 gross → ₾1.568 net.
What gross salary gives ₾1,500 take-home?
About ₾1.913 (1,500 ÷ 0.784) for a pension-scheme participant.
Who pays into the Georgian pension fund?
You 2%, your employer 2%, and the state 2% (annual pay up to ₾24,000), 1% (up to ₾60,000), 0% above.
How big a mortgage can I get on my salary?
The National Bank caps the payment at 25% of take-home pay (under ₾1,500) or 50%. ₾2,000 net → up to ₾1.000 a month → over 20 years a flat of about ₾73.831–115.933.
I am a foreigner — do I pay the pension contribution?
The scheme is mandatory for citizens and permanent residents. Others pay only the 20% income tax — net = gross × 0.8.
Need the exact monthly payment?
Enter the price, down payment and term — see the full schedule.
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