What Oklahoma 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.
Oklahoma guide
On the ordinary retirement profile — $34,000 of Social Security and $61,000 of plan distributions — Oklahoma takes $1,750 a year in state income tax.
That is the number people compare, and it is the smallest of three. Property tax adds about $1,994 on the state's $252,400 median home, and insurance another $7,255. The three together come to $10,998, placing Oklahoma 41st of 50.
A note before you start. This is general education, not tax advice. Every Oklahoma 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. Oklahoma exempts Social Security in full. Schedule 511-A line 2 states plainly that 'Social Security benefits that are included in the Federal AGI shall be subtracted,' with no income threshold, no age condition, and no phase-out. Railroad Retirement Board benefits are separately and fully excluded on Schedule 511-A line 7.
On 401(k) and IRA distributions. $10,000 per individual, not per return — which is why the married-joint entry reads $20,000. Schedule 511-A line 6, 'Other Retirement Income,' lets each individual exclude up to $10,000 of retirement benefits, capped at the amount actually included in federal AGI. The plans that qualify are enumerated: an employee pension benefit plan under IRC 401, an eligible deferred compensation plan under IRC 457, an IRA/annuity/trust or SEP under IRC 408, an employee annuity under IRC 403(a) or (b), U.S. Retirement Bonds under IRC 86, and lump-sum distributions from a retirement plan under IRC 402(e). The cap is shared, not stacked, and this is the detail that trips people up: the $10,000 on line 6 is reduced dollar-for-dollar by anything already claimed on line 5 for Oklahoma government or federal civil service retirement. A retiree who claims the full $10,000 on line 5 gets nothing on line 6.
Read the full Oklahoma guide →18 min read · Updated 2026-09-03