Retiring in Wisconsin

Every figure below is sourced to Wisconsin’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.

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

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.

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 a backdoor Roth conversion would actually cost you in tax — the pro-rata rule most calculators only describe.

The tax a leveraged rental owes inside a self-directed IRA — computed at trust rates, not the rate you'd assume.

401(k) and IRA withdrawals: Partly excluded; From age 67.
Social Security: Not taxed
Top marginal rate: 7.65%; The top of 4 graduated brackets.
Tax year: 2026; Brackets are legislated and change on a fixed calendar, so the year matters.

Wisconsin's retirement profile changed materially with the 2025 taxable year. Before it, Wisconsin taxed most retirement income with only the small $5,000 low-income subtraction as relief; the $24,000/$48,000 subtraction at age 67 is a large addition, and any comparison of Wisconsin against other states written before 2025 understates it.
The credit-forfeiture condition attached to the $24,000/$48,000 subtraction has no analogue anywhere else in this dataset and cannot be modelled as a simple exclusion. A calculator that applies the subtraction without also zeroing the filer's credits will overstate the benefit.
A separate disability income exclusion of up to $5,200 exists for filers under 65 who retired on permanent and total disability, subject to federal AGI under $20,200 ($25,400 where both spouses are eligible) and other conditions on Schedule 2440W.
Wisconsin has not enacted a state-facilitated auto-IRA employer mandate, so autoIraProgram is deliberately absent from this record rather than unresearched.