Retirement Tax by State: Pension, IRA & Social Security
50 free calculators — all 50 states
Calculate taxes on retirement income by state. See after-tax Social Security, 401(k), pension, and IRA distributions.
Updated
How much state tax will your retirement income owe?
Pick the state you live in and your yearly retirement income: the estimate runs the same calculation as that state's own retirement income tax calculator.
Virginia income tax on this retirement income: $272 a year (Virginia taxes $8,040 of it). Social Security is left out of the state base here.
Virginia's own retirement-income rules are applied, read from its department of revenue, with the Virginia page's default answers to its qualifying questions.
Open the Virginia retirement income tax calculator for the federal tax, after-tax income and Virginia's own options.
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All Calculators
Alabama Retirement Income Tax Calculator
Calculate taxes on retirement income in Alabama. State tax up to 5%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Alaska Retirement Income Tax Calculator
Calculate taxes on retirement income in Alaska. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
Arizona Retirement Income Tax Calculator
Calculate taxes on retirement income in Arizona. State tax up to 2.5%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Arkansas Retirement Income Tax Calculator
Calculate taxes on retirement income in Arkansas. State tax up to 3.7%. See after-tax Social Security, 401(k), pension, and IRA distributions.
California Retirement Income Tax Calculator
Calculate taxes on retirement income in California. State tax up to 13.3%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Colorado Retirement Income Tax Calculator
Calculate taxes on retirement income in Colorado. State tax up to 4.4%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Connecticut Retirement Income Tax Calculator
Calculate taxes on retirement income in Connecticut. Connecticut subtracts pensions in full and, on the 2025 return, 75% of IRA withdrawals below its income limits. See after-tax Social Security, 401(k), pension, and IRA distributions.
Delaware Retirement Income Tax Calculator
Calculate taxes on retirement income in Delaware. State tax up to 6.6%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Florida Retirement Income Tax Calculator
Calculate taxes on retirement income in Florida. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
Georgia Retirement Income Tax Calculator
Calculate taxes on retirement income in Georgia. Georgia shelters as much as $65,000 a year for each resident 65+, counting pensions, IRAs and interest. See after-tax Social Security, 401(k), pension, and IRA distributions.
Hawaii Retirement Income Tax Calculator
Calculate taxes on retirement income in Hawaii. State tax up to 11%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Idaho Retirement Income Tax Calculator
Calculate taxes on retirement income in Idaho. State tax up to 5.3%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Illinois Retirement Income Tax Calculator
Calculate taxes on retirement income in Illinois. Illinois does not tax qualified pension, 401(k), IRA or Social Security income. See after-tax Social Security, 401(k), pension, and IRA distributions.
Indiana Retirement Income Tax Calculator
Calculate taxes on retirement income in Indiana. State tax up to 2.95%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Iowa Retirement Income Tax Calculator
Calculate taxes on retirement income in Iowa. Iowa exempts pension, 401(k) and IRA income for filers 55 and older. See after-tax Social Security, 401(k), pension, and IRA distributions.
Kansas Retirement Income Tax Calculator
Calculate taxes on retirement income in Kansas. State tax up to 5.58%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Kentucky Retirement Income Tax Calculator
Calculate taxes on retirement income in Kentucky. State tax up to 3.5%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Louisiana Retirement Income Tax Calculator
Calculate taxes on retirement income in Louisiana. State tax up to 3%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Maine Retirement Income Tax Calculator
Calculate taxes on retirement income in Maine. State tax up to 9.15%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Maryland Retirement Income Tax Calculator
Calculate taxes on retirement income in Maryland. State tax up to 6.5%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Massachusetts Retirement Income Tax Calculator
Calculate taxes on retirement income in Massachusetts. State tax up to 9%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Michigan Retirement Income Tax Calculator
Calculate taxes on retirement income in Michigan. State tax up to 4.25%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Minnesota Retirement Income Tax Calculator
Calculate taxes on retirement income in Minnesota. State tax up to 9.85%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Mississippi Retirement Income Tax Calculator
Calculate taxes on retirement income in Mississippi. State tax up to 4%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Missouri Retirement Income Tax Calculator
Calculate taxes on retirement income in Missouri. State tax up to 4.7%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Montana Retirement Income Tax Calculator
Calculate taxes on retirement income in Montana. State tax up to 5.65%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Nebraska Retirement Income Tax Calculator
Calculate taxes on retirement income in Nebraska. State tax up to 4.55%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Nevada Retirement Income Tax Calculator
Calculate taxes on retirement income in Nevada. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
New Hampshire Retirement Income Tax Calculator
Calculate taxes on retirement income in New Hampshire. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
New Jersey Retirement Income Tax Calculator
Calculate taxes on retirement income in New Jersey. New Jersey's pension exclusion shelters as much as $100,000 for a couple 62+ ($75,000 single), less once income tops $100,000. See after-tax Social Security, 401(k), pension, and IRA distributions.
New Mexico Retirement Income Tax Calculator
Calculate taxes on retirement income in New Mexico. State tax up to 5.9%. See after-tax Social Security, 401(k), pension, and IRA distributions.
New York Retirement Income Tax Calculator
Calculate taxes on retirement income in New York. State tax up to 10.9%. See after-tax Social Security, 401(k), pension, and IRA distributions.
North Carolina Retirement Income Tax Calculator
Calculate taxes on retirement income in North Carolina. State tax up to 3.99%. See after-tax Social Security, 401(k), pension, and IRA distributions.
North Dakota Retirement Income Tax Calculator
Calculate taxes on retirement income in North Dakota. State tax up to 2.5%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Ohio Retirement Income Tax Calculator
Calculate taxes on retirement income in Ohio. State tax up to 2.75%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Oklahoma Retirement Income Tax Calculator
Calculate taxes on retirement income in Oklahoma. State tax up to 4.5%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Oregon Retirement Income Tax Calculator
Calculate taxes on retirement income in Oregon. State tax up to 9.9%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Pennsylvania Retirement Income Tax Calculator
Calculate taxes on retirement income in Pennsylvania. Pennsylvania excludes qualifying pensions, IRA withdrawals and Social Security. See after-tax Social Security, 401(k), pension, and IRA distributions.
Rhode Island Retirement Income Tax Calculator
Calculate taxes on retirement income in Rhode Island. State tax up to 5.99%. See after-tax Social Security, 401(k), pension, and IRA distributions.
South Carolina Retirement Income Tax Calculator
Calculate taxes on retirement income in South Carolina. South Carolina deducts up to $15,000 per filer aged 65+ ($30,000 for a couple). See after-tax Social Security, 401(k), pension, and IRA distributions.
South Dakota Retirement Income Tax Calculator
Calculate taxes on retirement income in South Dakota. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
Tennessee Retirement Income Tax Calculator
Calculate taxes on retirement income in Tennessee. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
Texas Retirement Income Tax Calculator
Calculate taxes on retirement income in Texas. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
Utah Retirement Income Tax Calculator
Calculate taxes on retirement income in Utah. State tax up to 4.45%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Vermont Retirement Income Tax Calculator
Calculate taxes on retirement income in Vermont. State tax up to 8.75%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Virginia Retirement Income Tax Calculator
Calculate taxes on retirement income in Virginia. Virginia subtracts Social Security and allows filers 65+ an age deduction of up to $12,000 each. See after-tax Social Security, 401(k), pension, and IRA distributions.
Washington Retirement Income Tax Calculator
Calculate taxes on retirement income in Washington. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
West Virginia Retirement Income Tax Calculator
Calculate taxes on retirement income in West Virginia. State tax up to 4.58%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Wisconsin Retirement Income Tax Calculator
Calculate taxes on retirement income in Wisconsin. State tax up to 7.65%. See after-tax Social Security, 401(k), pension, and IRA distributions.
Wyoming Retirement Income Tax Calculator
Calculate taxes on retirement income in Wyoming. No state income tax! See after-tax Social Security, 401(k), pension, and IRA distributions.
Related Guides
About Retirement Income Tax Calculators
Calculate taxes on retirement income by state. See after-tax Social Security, 401(k), pension, and IRA distributions. All 50 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.