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Texas, Florida, Washington, Tennessee, Nevada, New Hampshire, South Dakota, Alaska & Wyoming Retirement Income Tax Calculator

Texas levies no state income tax, so none of these income types are taxed at the state level.

Texas, Florida, Washington, Tennessee, Nevada, New Hampshire, South Dakota, Alaska, Wyoming share this page. Their rules produce the same answer to within a rounding difference, so publishing separate near-identical pages would add URLs without adding information. Every figure below applies to all 9 states.

Texas retirement income tax estimator

Texas levies no state income tax, so none of these income types are taxed at the state level.

Texas tax —
After state tax —
Effective state rate —

Texas at a glance

FigureTexasSource
Taxes Social Security?No income tax at all[2]
Top marginal rateNone[2]
Taxes pension income?No[2]
Cost of living index90.7[1]

[2] [1] Sources

Top marginal income tax rate — all 50 states

Texas highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.

Top marginal income tax rate — all 50 states. Texas is 0.00%, ranked 48 of 50. The national median is 4.55%, the highest is 13.30% (California), and the lowest is 0.00% (Wyoming). CA 13.30% HI 11.00% NY 10.90% NJ 10.75% OR 9.90% MN 9.85% MA 9.00% VT 8.75% WI 7.65% ME 7.15% CT 6.99% DE 6.60% MD 6.50% RI 5.99% NM 5.90% VA 5.75% MT 5.65% KS 5.58% ID 5.30% SC 5.21% AL 5.00% GA 4.99% IL 4.95% MO 4.70% WV 4.58% NE 4.55% OK 4.50% UT 4.50% CO 4.40% MI 4.25% MS 4.00% NC 3.99% AR 3.90% IA 3.80% KY 3.50% PA 3.07% LA 3.00% IN 2.95% OH 2.75% AZ 2.50% ND 2.50% AK 0.00% FL 0.00% NV 0.00% NH 0.00% SD 0.00% TN 0.00% TX 0.00% WA 0.00% WY 0.00%

Highlighted: Texas, ranked 48 of 50. Median 4.55%.

Texas state tax by retirement income mix

Annual Texas tax on each combination of Social Security and other retirement income.

Social SecurityNo other income+$10,000 other+$20,000 other+$30,000 other+$45,000 other+$60,000 other+$80,000 other+$110,000 other
$9,000$0$0$0$0$0$0$0$0
$12,000$0$0$0$0$0$0$0$0
$15,000$0$0$0$0$0$0$0$0
$18,000$0$0$0$0$0$0$0$0
$21,000$0$0$0$0$0$0$0$0
$24,000$0$0$0$0$0$0$0$0
$27,000$0$0$0$0$0$0$0$0
$30,000$0$0$0$0$0$0$0$0
$33,000$0$0$0$0$0$0$0$0
$36,000$0$0$0$0$0$0$0$0
$39,000$0$0$0$0$0$0$0$0
$42,000$0$0$0$0$0$0$0$0
$45,000$0$0$0$0$0$0$0$0
$48,000$0$0$0$0$0$0$0$0
$54,000$0$0$0$0$0$0$0$0

Worked figures for Texas

Texas values:

ProfileGrossState TaxNetEffective
$18,000 SS + $0 pension + $5,000 401k$23,000$0$23,0000.00%
$24,000 SS + $0 pension + $10,000 401k$34,000$0$34,0000.00%
$24,000 SS + $12,000 pension + $10,000 401k$46,000$0$46,0000.00%
$30,000 SS + $20,000 pension + $15,000 401k$65,000$0$65,0000.00%
$30,000 SS + $30,000 pension + $20,000 401k$80,000$0$80,0000.00%
$36,000 SS + $40,000 pension + $25,000 401k$101,000$0$101,0000.00%
$42,000 SS + $50,000 pension + $40,000 401k$132,000$0$132,0000.00%
$48,000 SS + $60,000 pension + $50,000 401k$158,000$0$158,0000.00%

How Texas compares nationally

On top marginal income tax rate, Texas ranks #48 of 50 at 0.00% — 100% below the median of 4.55%. The national range runs from 0.00% (Wyoming) to 13.30% (California).

RankStateTop marginal income tax rate
#46South Dakota0.00%
#47Tennessee0.00%
#48Texas0.00%
#49Washington0.00%
#50Wyoming0.00%

Texas questions, answered with Texas numbers

Does Texas tax Social Security?▾
Texas has no state income tax at all, so Social Security, pensions and 401(k) withdrawals are all untaxed at the state level.
What would a $65,000 retirement income cost in Texas tax?▾
On $30,000 Social Security, $20,000 pension and $15,000 of 401(k) withdrawals, Texas would take about $0 — an effective state rate of 0.00%, leaving $65,000.
Is Texas a good state to retire in on taxes alone?▾
Texas's top marginal rate is zero and its cost of living index is 90.7. Tax is only one input — housing at a $303,000 median matters at least as much.

Last reviewed 2026-08-27. Texas figures only — verify with the relevant Texas agency before acting. How this is calculated.