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Kansas Retirement Income Tax Calculator

Kansas stopped taxing Social Security in 2024; KPERS and federal pensions are exempt, but IRAs are taxed.

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Kansas resident retirement worksheet

Use the year income is received, not the filing year. Later years use a separately approved assessment until the next return rules are verified.

Positive full-year resident income after all other current-year Kansas additions / subtractions and basis adjustments, before only the three displayed benefit subtractions, deduction and personal exemptions. Approve original plan, recipient and rollover tracing. The basic standard mode requires that you are not claimable as another taxpayer’s dependent, each age / blindness condition qualifies under federal rules, and separate filing does not require itemizing because the spouse itemizes. Use the prepared deduction method for exceptions. Part-year / nonresident allocation, unresolved losses, special distributions and other tax preparation remain separate.

Only a Kansas joint return uses the $46,000 rate threshold and $18,320 basic personal exemption. Head uses the $23,000 schedule and a separate $2,320 head exemption in addition to $9,160. Approve the actual Kansas status and return allocation; a federal qualifying-survivor designation does not itself select a Kansas joint return.

After other approved state additions / subtractions, including employee contribution additions and current-year conformity adjustments. Includes the federally taxable portions of all three distinct exempt categories below. Do not start from federal taxable income or remove a payment twice.

Only the amount already included in the prepared income. From 2024 onward Kansas removes this amount regardless of federal AGI; the old $75,000 ceiling does not apply. Gross benefits, Medicare deductions and already-excluded SSI are not this input.

Independently approved qualified KPERS / listed Kansas public-plan benefits, federal civil-service / armed-forces retirement and exempt railroad benefits after basis. Direct qualifying Regents annuities can qualify; an unrelated Regents rollover payout cannot be placed here. Another state’s public pension and ordinary private pension are not automatically exempt.

Only the approved taxable withdrawal traceable to a KPERS lump-sum benefit received at retirement and rolled to a qualified account, plus attributable earnings. Commingling does not exempt unrelated funds. Regents transfers to unrelated plans follow different treatment; ordinary IRA distributions remain in prepared income.

2026 K-40ES directs special worksheets for age / blindness and claimable dependents. Current law supplies $850 for each eligible single / head condition or $700 for each eligible married condition. Prepared mode covers Kansas itemized deductions, dependent limitations and separate-spouse exceptions; it does not copy the federal deduction automatically.

Approve the actual tax-year age designation under the applicable age-65 rules. Age and eligible blindness can each add one allowance.

Approve qualification under the actual tax-year rules; an unchecked or unknown medical condition is not approved blindness.

Used only for joint standard mode. A separate return needs its own approved deduction; this field does not grant a separate filer a second allowance.

Used only in joint standard mode after independent approval.

Each qualifying dependent adds $2,320. Do not count yourself or your spouse. Additional newborn / stillbirth and qualifying disabled-veteran exemptions require separate approval below.

Published Chapter 155 preserves $2,320 for each independently eligible extra exemption. Prepare birth-year dependent rights, the stillbirth certificate / tax year, or the statutory permanent 100%-rate disabled-veteran conditions. Do not include basic, head or dependent exemptions already displayed.

Prepare eligibility, limits, ordering and carryforwards. Withholding, estimated payments, refundable credits, use tax and final balance are separate. Blank leaves after-credit tax unresolved.

Kansas · 2026 estimate

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Kansas 2026 ordinary estimate before credits —
Included Social Security subtraction
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Approved direct exempt retirement subtraction
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Approved traced KPERS rollover subtraction
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Income after displayed benefit subtractions
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Published basic standard deduction
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Eligible age / blindness standard addition
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Total displayed Kansas deduction
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Basic, head, dependent and approved extra exemptions
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Modeled nonnegative Kansas taxable income
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Estimate after approved nonrefundable credits
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Calculation scopeConfirm full-year resident scope, current-year modifications and benefit / rollover tracing

Illustrative defaults. Enter approved taxable amounts and confirm eligibility. The result covers the displayed worksheet conditions; a complete return may require other income, adjustments, deductions or credits.

Tax year 2026: K-40ES supplies the literal two-band estimate schedule; Notice 25-06 confirms no 2026 contingent rate reduction. Published 2026 Chapter 155 reconciles personal exemptions, including head-of-household relief. Current statute and agency guidance verify standard deductions, exempt benefits and different KPERS / Regents rollover treatment. This cent estimate is separate from final return lookup tables, rounding and payments. Reviewed October 2, 2026.

Reviewed October 2, 2026. Kansas retirement tax: Social Security, pension sources and rollover tracing

What Kansas taxes in retirement

Partly taxed: limits by age, plan, owner or income apply. Military retirement is covered in the guide. How these labels work.

Kansas retirement tax: Social Security, pension sources and rollover tracing

Estimate Kansas retirement tax with 2026 brackets, eligible age deductions and exemptions. Separate Social Security, KPERS and Regents rollover rules.

Kansas removes the federally included Social Security amount for tax years beginning after 2023 without the former $75,000 federal-AGI ceiling. The excluded amount is the taxable federal portion already in the income base, not gross benefits or another deduction for income already excluded federally. A larger private-account withdrawal can still raise federal benefit inclusion and Kansas taxable income from the withdrawal itself. These two effects need separate entries.

The department’s pension guidance distinguishes a KPERS retirement lump sum rolled into a qualified account from Regents annuities transferred to an unrelated plan. A later KPERS withdrawal can preserve exemption for the traced retirement benefit and its attributable earnings, even if other funds were commingled. That does not exempt the unrelated balance. Regents distributions from an unrelated rollover plan follow different treatment and remain taxable. Keep original-plan statements, the actual retirement event, transfer records and subsequent account attribution with each 1099-R.

The direct-pension field requires separately approved exempt benefits, such as qualified KPERS or listed Kansas public systems, federal civil-service or armed-forces retirement, and qualifying railroad amounts. A private pension, another state’s public pension or an ordinary IRA payout does not qualify merely because its recipient is retired. Preserve recipient rights and contribution basis, and never subtract a benefit twice through both prepared income and a displayed exclusion.

For 2026 estimates, the actual K-40ES schedule taxes the first $46,000 of joint taxable income at 5.2% and adds 5.58% of the excess to $2,392. The other supported Kansas statuses use $23,000 and $1,196. Notice 25-06 confirms that the contingent revenue trigger produced no tax-year 2026 rate reduction. Those literal estimate bases should not be replaced with the rounded constants printed in an older final-return computation. This worksheet estimates cents; final tables, filing rounding and payment settlement are separate.

Basic Kansas standard deductions are $3,605 single, $8,240 joint, $4,120 separate and $6,180 head of household. Each federally eligible age 65 or blindness condition adds $850 single / head or $700 married. Both eligible joint spouses can contribute their own conditions. A taxpayer claimable by another person, a separate filer whose spouse itemizes, and other exceptions need an independently approved deduction; federal enhanced senior deductions do not automatically become Kansas standard deductions.

Published 2026 Chapter 155, approved April 27, reconciles the competing personal-exemption statutes. The basic allowance is $18,320 joint or $9,160 otherwise, with $2,320 for an eligible head of household and each approved dependent. Additional birth-year, certified-stillbirth and qualifying permanently disabled-veteran exemptions require their own records and approval. The compiled older conflicting $2,250 veteran provision is not the current reconciled amount.

Illustration: a joint resident has $90,000 of prepared income containing $20,000 taxable federal Social Security, $30,000 approved direct exempt retirement and $5,000 traced KPERS rollover income. Removing those amounts leaves $35,000. With one age 65 spouse, the $8,940 standard deduction and $18,320 basic exemption leave $7,740 taxable: $402.48 before credits, or $302.48 after an approved $100 nonrefundable reduction. If that $5,000 is an unrelated taxable Regents rollover, the same household’s estimate is $662.48. The source records change the result.

Confirm positive full-year resident income after every other current-year Kansas modification, including contribution additions and basis differences, before entering this worksheet. Prepared Kansas itemized deductions, special distributions, dependent rights and credit qualification remain separate work. Moving-year and nonresident source allocation need the full return. The federal worksheet below independently shows benefit inclusion and accepts a separately prepared annual Kansas liability.

Prepare these Kansas records

Official Kansas source. Actual 2026 K-40ES; Notice 25-06 confirms no 2026 rate cut; published 2026 Chapter 155 reconciles exemptions; current statute / benefit guidance reviewed October 2.

Calculate the federal portion separately

Use the federal retirement-tax worksheet to prepare federally included benefits and ordinary income. Its federal deduction and rates do not replace the Kansas rules above.

Compare Kansas with nearby states

Nebraska, Missouri, Oklahoma and Colorado border Kansas. Run each one’s worksheet with the same household figures before deciding where a move would leave you.

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Updated / verified · Retirement Income Tax Calculator Editorial Team