529 College Savings Calculators Georgia

Georgia 529 College Savings Calculator

Calculate 529 college savings growth in Georgia. State tax deduction available. See projected savings and tax benefits.

Reviewed by StateCalc Editorial

| Updated Feb 28, 2026 | Fact-checked

Use Calculator Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

Georgia Quick Facts

5.5% Income Tax Rate

0.92% Property Tax Rate

$65,030 Median Income

93.4 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

529 plan calculator for Georgia residents. Projections use compound interest with monthly contributions. Georgia offers a tax deduction for 529 contributions: $4,000 per child for GA Path2College plan. Federal benefit: earnings grow tax-free and withdrawals for qualified education expenses are tax-free. Annual 529 gift tax exclusion: $18,000/person ($36,000 for couples) without gift tax implications. Superfunding allows 5 years of gifts upfront ($90,000/$180,000).

Key State Information

Georgia 529 plan facts: Georgia offers a tax deduction for 529 contributions: $4,000 per child for GA Path2College plan. Median household income: $65,030 | COL index: 93.4. 529 funds can be used for tuition, room & board, textbooks, and K-12 tuition (up to $10,000/yr).

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

SEC, IRS, State 529 Plans

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

Does Georgia offer a 529 tax deduction?

Georgia offers a tax deduction for 529 contributions: $4,000 per child for GA Path2College plan.

How much should I save in a 529 plan in Georgia?

With average in-state tuition around $10,000-$15,000/year and total costs (including room/board) of $20,000-$35,000/year, aim to save at least 50-75% of projected total costs. Starting early with $200-$500/month can reach $50,000-$100,000 over 10-15 years.

What happens to unused 529 funds?

As of 2024, unused 529 funds (open 15+ years) can be rolled into a Roth IRA for the beneficiary, up to $35,000 lifetime. You can also change the beneficiary to another family member, or use funds for graduate school.