Georgia 529 plan: tax break and facts

Georgia taxpayers can get a state tax deduction for contributing up to $4,000 (single) or $8,000 (joint) a year, generally only for the in-state plan. Here are the facts on Georgia's direct-sold 529 plan (the one you open yourself, without an advisor).

What Georgia law says

For taxable years beginning on or after January 1, 2020, Georgia provides an annual deduction of up to $4,000 per beneficiary for individual filers and up to $8,000 per beneficiary for joint filers for contributions to Georgia 529 plans. Contributions made after 12/31 of the current year but before the deadline for making contributions to an individual retirement account under federal law for such taxable year may be deducted in the current year. Hawaii No No

Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.

2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.