Texas Retirement Income Tax Calculator
Texas has no personal income tax on pensions, IRAs or Social Security.
Checked against sources 1 official source linked How we verify
Texas resident retirement worksheet
Texas · 2026 estimate
Waiting on a figure
- Cash after this state income tax
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ScopeConfirm residency and ordinary retirement category before a zero state result appears.
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.
Texas: Current statute / agency guidance; annual forms must match the tax year. Confirmed Texas ordinary-retirement scope; Federal contribution basis and taxable benefits; Separate former-state income tax and property budget. This zero-income-tax result does not estimate total cost of living.
Reviewed October 9, 2026. Texas income-tax savings do not measure the whole retirement budget
What Texas taxes in retirement
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Social Security
Not taxedConstitution restricts a personal income tax.
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Pensions
Not taxedTexas does not tax pension income.
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IRA & 401(k) withdrawals
Not taxedWithdrawals are taxed only federally.
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Wages from work
Not taxedNo state tax on earnings.
Partly taxed: limits by age, plan, owner or income apply. Military retirement is covered in the guide. How these labels work.
Texas income-tax savings do not measure the whole retirement budget
Texas does not impose an individual income tax on ordinary retirement income, but the federal worksheet and other household costs remain relevant.
The Texas constitutional income-tax restriction means an ordinary resident individual’s Social Security, pension and IRA income has no Texas personal income-tax layer. The confirmed retirement-only mode supplies zero for that scoped state amount. It is not an estimate of a home’s property-tax bill, sales taxes, insurance spending or a business obligation.
Prepare federal taxable distributions independently. A traditional account payout may contain a return of previously taxed basis, while a qualified Roth distribution may have different inclusion. Keep those records with the pension statements before entering federal ordinary income. Texas residence does not establish Roth qualification or change the contribution history of an account.
Since 2019, Section 24-a of Article VIII of the Texas Constitution has prohibited any state tax on an individual’s net income; Section 24-b, added in November 2025, separately prohibits taxing a person’s capital gains. Worked example: a full-year Texas couple receives $30,000 of Social Security, a $28,000 pension and $12,000 of traditional IRA withdrawals, $70,000 in all. With the resident scope confirmed, the worksheet returns $0 of Texas income tax and $70,000 of cash after state tax. The federal return does not change with the address: $40,000 of pension and IRA income plus half the benefits is $55,000 of provisional income, above the $44,000 joint threshold, so $15,350 of the benefits enters federal income before deductions. A larger IRA withdrawal raises that federal figure while the Texas line stays $0.
For a household moving to Texas, compare the other state’s completed resident or part-year liability over the same period. Preserve the domicile change and any continuing income sources that the former state may still need reviewed. A state income-tax saving should be displayed separately from housing and property-tax changes. Combining a Texas property payment with another state’s income tax would answer a different question and make the two annual liability entries incomparable.
Prepare these Texas records
- Confirmed Texas ordinary-retirement scope
- Federal contribution basis and taxable benefits
- Separate former-state income tax and property budget
Official Texas source. Current statute / agency guidance; annual forms must match the tax year.
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 Texas rules above.
Compare Texas with nearby states
New Mexico, Oklahoma, Arkansas and Louisiana border Texas. Alaska borders no state and lists Texas among its comparison states. 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