What Texas 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.
None of your retirement income is taxed by Texas. The calculator still runs so you can see the total and compare it against another state with the switcher above — federal tax is a separate matter this page does not model.
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.
Texas guide
Texas has no income tax, and since 2019 it has had something stronger: a constitutional prohibition on the legislature ever creating one.
For a retiree drawing down a large pre-tax balance that is worth a great deal, and it is permanent in a way a statute is not.
Then the property tax bill arrives. Texas has an effective property tax rate of 1.4% — one of the highest in the country — and average home insurance of $4,915. Put the three lines together and Texas comes 37th of 50 on what retiring there actually costs.
A note before you start. This is general education, not tax advice. Every state 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 in Texas is assessed and levied locally and varies widely inside the state, so the effective rate here is a statewide figure and not a substitute for your own county's.
Nothing, on any stream, at any age, at any income.
All five are $0 for one structural reason. Texas has no individual income tax, so it never draws the distinctions most states spend pages on — no exclusion amount, no age gate, no income ceiling, no separate treatment of a government pension against a private one.
There is also no state estate or inheritance tax, and no state tax on capital gains. That last point separates Texas from Washington, the other large no-income-tax state, which does charge an excise on large individual long-term gains.
Read the full Texas guide →15 min read · Updated 2026-09-03