20% income tax · 2% pension · what you can buy
₾4,000 Salary in Georgia — ₾3,136 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.
₾4,000 gross leaves ₾3,136 take-home. To take home ₾4,000, your gross salary must be ₾5,102.
Calculate
| Gross salary | ₾4,000 |
|---|---|
| Pension contribution (2%) | −₾80 |
| Income tax (20%) | −₾784 |
| Take-home pay | ₾3,136 |
- Employer contribution (2%)
- ₾80
- State contribution
- ₾40
- Total into pension per month
- ₾200
- Cost to employer
- ₾4,080
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% | ₾1,568 per month | ₾163,605 | ₾181,783 |
| 17.5% | ₾1,568 per month | ₾104,190 | ₾115,767 |
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: ₾4,000 gross → ₾3,136 net.
What gross salary gives ₾4,000 take-home?
About ₾5,102 (4,000 ÷ 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%. ₾3,136 net → up to ₾1,568 a month → over 20 years a flat of about ₾115,767–181,783.
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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