Retirement, by state
What retirement income actually costs you where you live — 401(k) and IRA withdrawals, pensions, Social Security, and capital gains, each against your state's own rules. Every bracket and exclusion is sourced to the state's own publication and dated. No lead forms, no advisor referrals.
“Does my state tax retirement income?” is the wrong question
13 of the 50 states take nothing at all from a qualified 401(k) or IRA withdrawal, and 8 still tax Social Security — but every one of those exempts benefits below an income threshold, so the honest answer is almost never yes or no. Most of the remaining states offer a partial exclusion gated on age, income, or both. A list tells you “taxed.” A calculator tells you $1,840. That gap is what these pages exist to close.
Calculators for your state
Retirement tax by state
What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.
Pick a state below to open it.
Brokerage account growth
Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.
Pick a state below to open it.
Roth vs. Traditional
Decided on the two rates that actually govern it — yours now, and yours at withdrawal, in the state you'll retire in rather than the one you're in.
Pick a state below to open it.
Calculators that don't depend on where you live
Contribution limit optimizer
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
Required minimum distribution
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
Backdoor Roth pro-rata
What a backdoor Roth conversion would actually cost you in tax — the pro-rata rule most calculators only describe.
Self-directed IRA real estate (UDFI)
The tax a leveraged rental owes inside a self-directed IRA — computed at trust rates, not the rate you'd assume.
Pick your state
Tax figures are for tax year 2025–2026. Brackets are legislated and change on a January calendar, so treat any figure here as belonging to the year stated on its face. Estimates only — not tax, legal, or investment advice. How we source every figure