What Kansas actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, against the state’s own brackets and exclusions rather than a yes-or-no list.
Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
A required minimum distribution is ordinary income, taxed at your top bracket and often pushing you into the next one. Here is the federal tax on RMDs from $20,000 to $75,000 at different income levels, why the default 10% withholding usually leaves a bill, how to avoid an underpayment penalty, and the three side effects that make the real rate higher than the bracket.
The required minimum distribution on every common balance at every age from 73 to 95, worked from the IRS table, plus what happens to the account over twenty years of withdrawals at 0%, 5% and 7% returns. The short version: the share you must take rises every year, and at good returns the dollar amount keeps rising with it.
What moving actually saves, on your own income mix rather than a headline rate — and how to establish domicile so the state you left cannot follow you.
Which account to draw first, priced. The three cliffs a withdrawal can cross without warning, the conversion window almost nobody uses, and why the order is the last big decision you can still change.
Kansas guide
On the ordinary retirement profile — $34,000 of Social Security and $61,000 of plan distributions — Kansas takes $2,604 a year in state income tax.
That is the number people compare, and it is the smallest of three. Property tax adds about $3,801 on the state's $304,048 median home, and insurance another $4,219. The three together come to $10,624, placing Kansas 40th of 50.
A note before you start. This is general education, not tax advice. Every Kansas figure comes from this site's own fifty-state income-tax dataset and its retirement tax engine, computed for a single filer aged 70 unless stated otherwise; property tax, median home price and insurance figures come from the site's core state dataset. Rates are for tax year 2026. Property tax is assessed locally in most states, so the effective rate here is a statewide figure rather than your county's.
On Social Security. Fully exempt, and the famous $75,000 cliff is gone - this is the single most out-of-date fact circulating about Kansas tax. Kansas historically allowed the Social Security subtraction only to taxpayers with federal AGI of $75,000 or less, producing a genuine cliff where one dollar of extra income cost thousands in tax. Section 18 of 2024 Special Session SB 1 amended K.S.A. 79-32,117(c)(xviii) to remove the income limitation entirely and allow all taxpayers receiving Social Security benefits included in federal adjusted gross income to claim the subtraction, regardless of the amount of their federal AGI, effective for all taxable years beginning after December 31, 2023. There is no age trigger, no income limit and no partial phase-in for 2026.
On 401(k) and IRA distributions. taxed. Kansas has no general exclusion for distributions from a 401(k), 403(b) or traditional IRA, and no age at which one becomes available. Kansas grants retirement relief by naming specific retirement systems on Schedule S line A14, and a private-sector defined contribution account is not among them. Two narrow exceptions exist and should not be generalised: the federal Thrift Savings Plan is exempt, because it is grouped with federal employment retirement benefits rather than treated as an ordinary defined contribution plan; and a KPERS lump-sum distribution rolled into a qualified account is subtracted on Schedule S line A11. Neither reaches an ordinary private 401(k) or IRA.
Read the full Kansas guide →18 min read · Updated 2026-09-03