20% income tax · 2% pension · what you can buy
₾10,000 Salary in Georgia — ₾7,840 Take-Home (2026)
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.
₾10,000 gross leaves ₾7,840 take-home. To take home ₾10,000, your gross salary must be ₾12,755.
Calculate
| Gross salary | ₾10,000 |
|---|---|
| Pension contribution (2%) | −₾200 |
| Income tax (20%) | −₾1,960 |
| Take-home pay | ₾7,840 |
- Employer contribution (2%)
- ₾200
- State contribution
- ₾0
- Total into pension per month
- ₾400
- Cost to employer
- ₾10,200
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% | ₾3,920 per month | ₾409,013 | ₾454,458 |
| 17.5% | ₾3,920 per month | ₾260,475 | ₾289,417 |
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: ₾10,000 gross → ₾7,840 net.
What gross salary gives ₾10,000 take-home?
About ₾12,755 (10,000 ÷ 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%. ₾7,840 net → up to ₾3,920 a month → over 20 years a flat of about ₾289,417–454,458.
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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