What Missouri 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.
Missouri guide
On the ordinary retirement profile — $34,000 of Social Security and $61,000 of plan distributions — Missouri takes $1,930 a year in state income tax.
That is the number people compare, and it is the smallest of three. Property tax adds about $2,632 on the state's $299,064 median home, and insurance another $2,905. The three together come to $7,467, placing Missouri 25th of 50.
A note before you start. This is general education, not tax advice. Every Missouri 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. 100% exempt with no income limit for 2024 forward. Mo. Rev. Stat. 143.125.2, as amended by SB 190 (2023): 'For all tax years beginning on or after January 1, 2024, a taxpayer shall be entitled to the maximum exemption provided by this subsection regardless of the taxpayer's filing status or the amount of the taxpayer's Missouri adjusted gross income.' The old AGI ceilings ($100,000 married-combined / $85,000 other) survive in the statute but are expressly confined to tax years beginning on or before 2023-12-31. Two non-income conditions remain and are not modelled here: the taxpayer must be 62 or older (143.125.1(1); the age limit does not apply to Social Security disability benefits), and the 'Age 62 through 64' box must actually be checked on Form MO-1040 or the deduction is disallowed.
On 401(k) and IRA distributions. 401(k), IRA, Keogh, deferred compensation and self-employed plan distributions are eligible for Missouri's pension exemption — but through the private pension route, which is small and income-limited, not the far larger public one. Mo. Rev. Stat. 143.124.1 defines annuity, pension or retirement allowance to 'include 401(k) plans, deferred compensation plans, self-employed retirement plans, also known as Keogh plans, annuities from a defined pension plan and individual retirement arrangements, also known as IRAs ... but not including Roth IRAs'.
Read the full Missouri guide →18 min read · Updated 2026-09-03