Which states don't tax retirement income in 2026?

Q: Which states don't tax retirement income in 2026?

In 2026, 9 states levy no broad state income tax on retirement withdrawals — AK, FL, NV, NH, SD, TN, TX, WA, WY. A further 4 states (IL, IA, MS, PA) do have an income tax but fully exempt qualified retirement-plan income such as 401(k) and IRA distributions.

In 2026, 9 states levy no broad state income tax on retirement withdrawals — AK, FL, NV, NH, SD, TN, TX, WA, WY. A further 4 states (IL, IA, MS, PA) do have an income tax but fully exempt qualified retirement-plan income such as 401(k) and IRA distributions.

States with no income tax

States exempting retirement income

Combined, no tax on withdrawals

Where retirement withdrawals go untaxed (2026)

Category	States
No broad state income tax	Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming
Income tax, but exempts qualified retirement income	Illinois, Iowa, Mississippi, Pennsylvania

Other states tax retirement income to varying degrees, some with age-based exclusions. State treatment of Roth conversions and pensions varies further.

Methodology

Compiled from the 2026 state retirement-tax dataset (51 jurisdictions): the no-income-tax set is every state with a zero top rate; the exemption set is every state flagged as exempting qualified retirement income.

Every figure on this page is computed at build time from QuantCalc's parity-tested calculation modules or a committed dataset — never hand-entered. Reference for research and planning only; not tax, legal, or investment advice.

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Changelog

v2026.1 — first publication. Figures computed from the 2026 tax-constants mirror and committed datasets.

Cite this dataset

QuantCalc Research (2026). Which states don't tax retirement income in 2026?. https://quantcalc.app/answers/states-that-dont-tax-retirement-income/ (accessed <date>).

BibTeX

@misc{quantcalc2026whichstatesdonttaxretirementincomein2026,
  title  = {Which states don't tax retirement income in 2026?},
  author = {{QuantCalc Research}},
  year   = {2026},
  url    = {https://quantcalc.app/answers/states-that-dont-tax-retirement-income/},
  note   = {Accessed <date>}
}

Machine-readable citation metadata (schema.org identifier and citation fields) is embedded in this page's JSON-LD, at the stable identifier https://quantcalc.app/answers/states-that-dont-tax-retirement-income/.