2026 federal, state and local taxes
Retirement Tax Calculator for Social Security and 401(k)
Estimate your 2026 federal and state tax in retirement on Social Security, 401(k) and IRA withdrawals and pensions, and see how much of your benefit is taxable.
Retirement Income and Tax Summary
Includes 65+ DeductionsRetirement Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Total Retirement Income | $94,000 | $7,833 |
| Provisional Income | $68,000 | $5,667 |
| Taxable Part of Social Security | $23,800 | $1,983 |
| Standard Deduction, 65+ Add-On and $6,000 Senior Deduction | -$47,500 | -$3,958 |
| Federal Income Tax | -$3,140 | -$262 |
| State Income Tax | -$0 | -$0 |
| Income After Tax | $90,860 | $7,572 |
How This Calculator Works
This calculator estimates the federal and state income tax you would owe in retirement from four kinds of income: Social Security, withdrawals from a Traditional 401(k) or IRA, a pension, and qualified Roth withdrawals, which are tax-free.
How much of your Social Security gets taxed depends on your provisional income: your other income plus half your benefits. If it is above $25,000 (Single) or $32,000 (Married Filing Jointly), up to 50% of your benefits are taxable. Above $34,000 or $44,000, up to 85% can be taxed. Below the first line, none of it is. The IRS also counts tax-exempt interest here, which this calculator does not ask for.
Frequently Asked Questions
Do states tax Social Security benefits in 2026?
Most do not. Florida, Texas, California, New York, Pennsylvania and Illinois, among many others, do not tax Social Security benefits. A few states, such as Pennsylvania, Illinois and Mississippi, also leave 401(k), IRA and pension income alone.
Can Roth withdrawals lower the tax on my Social Security?
Yes. Qualified withdrawals from a Roth IRA or Roth 401(k) do not count toward provisional income, so taking money from a Roth instead of a Traditional IRA can keep you below the lines where 50% and then 85% of your benefits become taxable.
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