What a taxable index-fund account is actually worth after expense-ratio drag and after New Hampshire takes its share of the gain — which, in most states, is not at the federal preferential rate.
Your gain is untouched by New Hampshire. Only federal tax applies. New Hampshire does not tax capital gains, and — a nuance worth recording — NEVER DID, even before the Interest and Dividends Tax was repealed. RSA chapter 77 reached interest and dividends only. The Department's own administrative rules made the carve-out explicit: Rev 902.05(d) listed among amounts NOT taxable as dividends 'Capital gains realized by the investor through the sale of his or her interest in a mutual fund', and Rev 901.09 defined a dividend as a distribution from current or accumulated profits 'other than in liquidation', which definitionally excludes gain on the sale of a capital asset. The old DP-10 even carried a deduction reason code for backing out capital gains a payer had reported as dividends. Anyone describing pre-2025 New Hampshire as taxing 'investment income' generally is overstating it.
What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
What retiring actually costs across all fifty states in 2026 — the three lines that decide it, why ranking states by income tax gets the answer wrong, the federal rules that follow you everywhere, and the decisions that are worth real money before you move.
New Hampshire charges $0 in state income tax on a typical retirement income, $8,498 in property tax on its median home and $1,880 in insurance — $10,378 together, which is 39th of 50.
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.