Retirement Tax by State Calculator (2026)
Most state comparisons treat every dollar of retirement income the same. States do not. Enter your Social Security, IRA and 401(k) withdrawals, pension, and military retirement separately and see how two states actually treat each one.
Want the full picture first? Read how every state taxes retirement income in 2026 — a searchable, sortable table of all 50 states plus DC with official sources.
Your situation
Single and married-filing-jointly are the two statuses our state bracket engine supports reliably.
Annual retirement income by source
No dollar estimate for California
We publish this state’s sourced rules, but not a dollar estimate. Reproducing a state return means modelling shared exclusion caps, mutually exclusive elections, per-spouse eligibility, the right starting income base, and the state’s own deductions and credits. Until that is implemented and tested for this state, printing a number would be guesswork.
What has to be modelled before California can show a number:
- The full state return (deductions, exemptions, credits) is not modeled yet
- The brackets or standard deduction used by the final tax step are proxy values
How California treats each income source
- Social Security benefits: Fully exempt
- Traditional IRA / 401(k) / 403(b) distributions: Fully taxable
California has no general retirement-income exclusion. Social Security is the only category it subtracts; everything else, including military retired pay, is ordinary income.
Verified against an official source for this tax year · Last verified 2026-07-28
Estimated Florida state income tax
$0
0.00% of total income
How Florida treats each income source
| Source | Excluded | Taxable |
|---|---|---|
| Social Security benefits | $36,000 | $0 |
| Traditional IRA / 401(k) / 403(b) distributions | $30,000 | $0 |
The Florida Constitution (Art. VII §5) bars a state income tax on individuals, so no retirement income is taxed.
No individual income tax · Last verified 2026-07-28
California vs Florida
We cannot publish a dollar difference here. At least one of these states is not officially verified for 2026, and printing a number we cannot source would be worse than printing nothing. The verified rules and official sources for both states are shown above.
What this number does not include
- Local income taxes. Cities and counties in states such as Ohio, Maryland, and New York levy their own income tax on top of the state figure shown here.
- State credits and worksheets. Senior credits, property-tax circuit breakers, and low-income credits can materially change what you actually owe.
- Residency and part-year rules. Moving mid-year, keeping a home in your old state, or splitting the year between two states changes which state gets to tax which dollars.
- Everything that is not income tax. Property tax, sales tax, estate and inheritance tax, insurance, and healthcare costs often dwarf the income-tax difference. A lower income tax does not make a state the better place to retire, and this calculator does not claim otherwise.
- Unmodeled provisions. Where a state rule was too complex to compute safely, we suppress the estimate rather than approximate it.
Keep planning
Sources & References
Primary references used for this content
State Tax Agencies Directory
Every state revenue department — the authority for state figures
View on taxadmin.org
Pension and Annuity Income
Distributions, lump sums, and NUA
View on irs.gov
Social Security and Equivalent Railroad Retirement Benefits
The worksheet that determines taxable benefits
View on irs.gov
Limitation on State income taxation of certain pension income
The Pension Source Tax Act — a former state cannot tax your retirement income
View on law.cornell.edu
✓4 primary sources; links re-checked on a weekly rotation by the source watcher
Disclaimer: This calculator provides estimates for educational purposes only. Not tax, legal, or financial advice. Results may vary based on your specific circumstances. Consult a qualified CPA or tax professional for personalized guidance.