2026 retiree withholding
Retirement Income Tax Calculator
See how much federal and state tax you may owe on Social Security, pension withdrawals, and other retirement income in your state. Uses 2026 state treatment rules for all 51 jurisdictions.
States that don't tax Social Security → · No income tax states →
Frequently Asked Questions
Which states do not tax Social Security?
Most states fully exempt Social Security from state income tax. Only Minnesota, Montana, Utah, and Vermont generally tax Social Security benefits at the state level (West Virginia offers partial exemptions). See our research article for the full 2026 list.
Does California tax Social Security?
No. California does not tax Social Security benefits. Pension and IRA withdrawals are generally taxable at the state level.
Does Minnesota tax Social Security?
Yes. Minnesota taxes Social Security benefits but offers a partial subtraction for lower-income retirees. Federal rules may still tax up to 85% of your benefits.
What states are best for retirement taxes?
States with no income tax (Texas, Florida, Nevada, etc.) and states that exempt both Social Security and pension income (such as Pennsylvania and Illinois) are among the most retiree-friendly. See our research ranking for a data-driven comparison.
Data Sources & Methodology
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .
- Federal withholding: IRS Publication 15-T — Federal Income Tax Withholding Methods
- Social Security wage base: SSA 2026 Social Security Wage Base
- Medicare rates: IRS Topic No. 751 — Social Security and Medicare Withholding Rates
- State income tax: Florida Department of Revenue — Florida has no state income tax; federal withholding only