Retiring in Nevada

Every figure below is sourced to Nevada’s own publications and dated. Estimates only, and not tax advice.

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.

Brokerage account growth

Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.

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.

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.

Nevada at a glance

Nevada has no state income tax, so none of your retirement income — 401(k) and IRA withdrawals, pensions, or Social Security — is taxed at the state level. Federal tax is a separate matter these pages do not model.

  • NEVADA'S NO-INCOME-TAX STATUS IS CONSTITUTIONAL, NOT MERELY STATUTORY, which makes it materially more durable than a state that simply has not legislated one. Article 10 section 1(9) was added by initiative petition and required ratification at TWO consecutive general elections, in 1988 and 1990. Reversing it would require the same two-election amendment process.
  • Nevada does levy business taxes that are sometimes mistaken for income taxes. The Commerce Tax (NRS 363C) is a gross receipts tax on business entities with more than $4 million in Nevada gross revenue, expressly permitted by the second sentence of Article 10 section 1(9). The Modified Business Tax (NRS 363B) is a payroll excise on EMPLOYERS at 1.17% of gross wages above a $50,000 quarterly exemption, or 1.554% for financial institutions and mining with no exemption — it is paid from employer funds, is not withheld from wages, and does not reduce an employee's take-home pay.