{
  "generated_at": "2026-05-12",
  "method": "Monte Carlo, 10,000 paths per state, 30-year retirement",
  "total_paths": 510000,
  "total_state_years": 15300000,
  "start_age": 60,
  "end_age": 90,
  "start_balance": 2000000,
  "annual_spend": 80000,
  "portfolio": "60/40 stock/bond",
  "rankings": {
    "highest_success_rate": [
      {
        "name": "Wyoming",
        "rate": 77.07
      },
      {
        "name": "Louisiana",
        "rate": 76.56
      },
      {
        "name": "South Dakota",
        "rate": 76.54
      },
      {
        "name": "Mississippi",
        "rate": 76.51
      },
      {
        "name": "Pennsylvania",
        "rate": 76.51
      }
    ],
    "lowest_success_rate": [
      {
        "name": "New Jersey",
        "rate": 70.53
      },
      {
        "name": "Minnesota",
        "rate": 70.45
      },
      {
        "name": "New York",
        "rate": 69.67
      },
      {
        "name": "District of Columbia",
        "rate": 69.31
      },
      {
        "name": "California",
        "rate": 67.91
      }
    ],
    "lowest_state_tax": [
      {
        "name": "Alaska",
        "tax": 0
      },
      {
        "name": "Florida",
        "tax": 0
      },
      {
        "name": "Hawaii",
        "tax": 0
      },
      {
        "name": "Illinois",
        "tax": 0
      },
      {
        "name": "Iowa",
        "tax": 0
      }
    ],
    "highest_state_tax": [
      {
        "name": "California",
        "tax": 167580
      },
      {
        "name": "New York",
        "tax": 137340
      },
      {
        "name": "District of Columbia",
        "tax": 135450
      },
      {
        "name": "New Jersey",
        "tax": 135450
      },
      {
        "name": "Oregon",
        "tax": 124740
      }
    ],
    "lowest_total_tax": [
      {
        "name": "Alaska",
        "tax": 218400
      },
      {
        "name": "Florida",
        "tax": 218400
      },
      {
        "name": "Hawaii",
        "tax": 218400
      },
      {
        "name": "Illinois",
        "tax": 218400
      },
      {
        "name": "Iowa",
        "tax": 218400
      }
    ],
    "highest_total_tax": [
      {
        "name": "California",
        "tax": 385980
      },
      {
        "name": "New York",
        "tax": 355740
      },
      {
        "name": "District of Columbia",
        "tax": 353850
      },
      {
        "name": "New Jersey",
        "tax": 353850
      },
      {
        "name": "Oregon",
        "tax": 343140
      }
    ]
  },
  "results": [
    {
      "slug": "alabama",
      "name": "Alabama",
      "abbr": "AL",
      "top_rate": 5.0,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.79,
      "median_lifetime_state_tax": 63000,
      "p90_lifetime_state_tax": 63000,
      "median_aca_clawback": 0,
      "median_total_tax": 281400,
      "median_terminal": 870269,
      "p10_terminal": 0
    },
    {
      "slug": "alaska",
      "name": "Alaska",
      "abbr": "AK",
      "top_rate": 0.0,
      "tier": "tax-free",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.0,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 972083,
      "p10_terminal": 0
    },
    {
      "slug": "arizona",
      "name": "Arizona",
      "abbr": "AZ",
      "top_rate": 2.5,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 75.24,
      "median_lifetime_state_tax": 31500,
      "p90_lifetime_state_tax": 31500,
      "median_aca_clawback": 0,
      "median_total_tax": 249900,
      "median_terminal": 932303,
      "p10_terminal": 0
    },
    {
      "slug": "arkansas",
      "name": "Arkansas",
      "abbr": "AR",
      "top_rate": 3.9,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.29,
      "median_lifetime_state_tax": 49140,
      "p90_lifetime_state_tax": 49140,
      "median_aca_clawback": 0,
      "median_total_tax": 267540,
      "median_terminal": 908002,
      "p10_terminal": 0
    },
    {
      "slug": "california",
      "name": "California",
      "abbr": "CA",
      "top_rate": 13.3,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 67.91,
      "median_lifetime_state_tax": 167580,
      "p90_lifetime_state_tax": 167580,
      "median_aca_clawback": 0,
      "median_total_tax": 385980,
      "median_terminal": 652555,
      "p10_terminal": 0
    },
    {
      "slug": "colorado",
      "name": "Colorado",
      "abbr": "CO",
      "top_rate": 4.4,
      "tier": "moderate",
      "taxes_ss": true,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.97,
      "median_lifetime_state_tax": 55440,
      "p90_lifetime_state_tax": 55440,
      "median_aca_clawback": 0,
      "median_total_tax": 273840,
      "median_terminal": 891583,
      "p10_terminal": 0
    },
    {
      "slug": "connecticut",
      "name": "Connecticut",
      "abbr": "CT",
      "top_rate": 6.99,
      "tier": "high-tax",
      "taxes_ss": true,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 72.35,
      "median_lifetime_state_tax": 88074,
      "p90_lifetime_state_tax": 88074,
      "median_aca_clawback": 0,
      "median_total_tax": 306474,
      "median_terminal": 824333,
      "p10_terminal": 0
    },
    {
      "slug": "delaware",
      "name": "Delaware",
      "abbr": "DE",
      "top_rate": 6.6,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.09,
      "median_lifetime_state_tax": 83160,
      "p90_lifetime_state_tax": 83160,
      "median_aca_clawback": 0,
      "median_total_tax": 301560,
      "median_terminal": 868694,
      "p10_terminal": 0
    },
    {
      "slug": "florida",
      "name": "Florida",
      "abbr": "FL",
      "top_rate": 0.0,
      "tier": "tax-free",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 75.92,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 954632,
      "p10_terminal": 0
    },
    {
      "slug": "georgia",
      "name": "Georgia",
      "abbr": "GA",
      "top_rate": 5.39,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.1,
      "median_lifetime_state_tax": 67914,
      "p90_lifetime_state_tax": 67914,
      "median_aca_clawback": 0,
      "median_total_tax": 286314,
      "median_terminal": 900747,
      "p10_terminal": 0
    },
    {
      "slug": "hawaii",
      "name": "Hawaii",
      "abbr": "HI",
      "top_rate": 11.0,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": true,
      "success_rate": 76.13,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 997917,
      "p10_terminal": 0
    },
    {
      "slug": "idaho",
      "name": "Idaho",
      "abbr": "ID",
      "top_rate": 5.69,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 72.92,
      "median_lifetime_state_tax": 71694,
      "p90_lifetime_state_tax": 71694,
      "median_aca_clawback": 0,
      "median_total_tax": 290094,
      "median_terminal": 848711,
      "p10_terminal": 0
    },
    {
      "slug": "illinois",
      "name": "Illinois",
      "abbr": "IL",
      "top_rate": 4.95,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": true,
      "success_rate": 76.01,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 975928,
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    },
    {
      "slug": "indiana",
      "name": "Indiana",
      "abbr": "IN",
      "top_rate": 3.0,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.5,
      "median_lifetime_state_tax": 37800,
      "p90_lifetime_state_tax": 37800,
      "median_aca_clawback": 0,
      "median_total_tax": 256200,
      "median_terminal": 907199,
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    },
    {
      "slug": "iowa",
      "name": "Iowa",
      "abbr": "IA",
      "top_rate": 3.8,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.23,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 972134,
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    },
    {
      "slug": "kansas",
      "name": "Kansas",
      "abbr": "KS",
      "top_rate": 5.58,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.01,
      "median_lifetime_state_tax": 70308,
      "p90_lifetime_state_tax": 70308,
      "median_aca_clawback": 0,
      "median_total_tax": 288708,
      "median_terminal": 835948,
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    },
    {
      "slug": "kentucky",
      "name": "Kentucky",
      "abbr": "KY",
      "top_rate": 4.0,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.68,
      "median_lifetime_state_tax": 50400,
      "p90_lifetime_state_tax": 50400,
      "median_aca_clawback": 0,
      "median_total_tax": 268800,
      "median_terminal": 918902,
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    },
    {
      "slug": "louisiana",
      "name": "Louisiana",
      "abbr": "LA",
      "top_rate": 3.0,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.56,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 984010,
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    },
    {
      "slug": "maine",
      "name": "Maine",
      "abbr": "ME",
      "top_rate": 7.15,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 72.57,
      "median_lifetime_state_tax": 90090,
      "p90_lifetime_state_tax": 90090,
      "median_aca_clawback": 0,
      "median_total_tax": 308490,
      "median_terminal": 807926,
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    },
    {
      "slug": "maryland",
      "name": "Maryland",
      "abbr": "MD",
      "top_rate": 5.75,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 73.49,
      "median_lifetime_state_tax": 72450,
      "p90_lifetime_state_tax": 72450,
      "median_aca_clawback": 0,
      "median_total_tax": 290850,
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    },
    {
      "slug": "massachusetts",
      "name": "Massachusetts",
      "abbr": "MA",
      "top_rate": 9.0,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 71.2,
      "median_lifetime_state_tax": 113400,
      "p90_lifetime_state_tax": 113400,
      "median_aca_clawback": 0,
      "median_total_tax": 331800,
      "median_terminal": 773483,
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    },
    {
      "slug": "michigan",
      "name": "Michigan",
      "abbr": "MI",
      "top_rate": 4.25,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.81,
      "median_lifetime_state_tax": 53550,
      "p90_lifetime_state_tax": 53550,
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    },
    {
      "slug": "minnesota",
      "name": "Minnesota",
      "abbr": "MN",
      "top_rate": 9.85,
      "tier": "high-tax",
      "taxes_ss": true,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 70.45,
      "median_lifetime_state_tax": 124110,
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    },
    {
      "slug": "mississippi",
      "name": "Mississippi",
      "abbr": "MS",
      "top_rate": 4.4,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.51,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 989960,
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    },
    {
      "slug": "missouri",
      "name": "Missouri",
      "abbr": "MO",
      "top_rate": 4.7,
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      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.41,
      "median_lifetime_state_tax": 59220,
      "p90_lifetime_state_tax": 59220,
      "median_aca_clawback": 0,
      "median_total_tax": 277620,
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    },
    {
      "slug": "montana",
      "name": "Montana",
      "abbr": "MT",
      "top_rate": 5.9,
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      "taxes_ss": true,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.65,
      "median_lifetime_state_tax": 74340,
      "p90_lifetime_state_tax": 74340,
      "median_aca_clawback": 0,
      "median_total_tax": 292740,
      "median_terminal": 846910,
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    },
    {
      "slug": "nebraska",
      "name": "Nebraska",
      "abbr": "NE",
      "top_rate": 5.2,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.11,
      "median_lifetime_state_tax": 65520,
      "p90_lifetime_state_tax": 65520,
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      "median_total_tax": 283920,
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    },
    {
      "slug": "nevada",
      "name": "Nevada",
      "abbr": "NV",
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      "tier": "tax-free",
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      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 75.26,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
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      "median_total_tax": 218400,
      "median_terminal": 950240,
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    },
    {
      "slug": "new-hampshire",
      "name": "New Hampshire",
      "abbr": "NH",
      "top_rate": 0.0,
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      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.14,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
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      "median_terminal": 982896,
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    },
    {
      "slug": "new-jersey",
      "name": "New Jersey",
      "abbr": "NJ",
      "top_rate": 10.75,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 70.53,
      "median_lifetime_state_tax": 135450,
      "p90_lifetime_state_tax": 135450,
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    {
      "slug": "new-mexico",
      "name": "New Mexico",
      "abbr": "NM",
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      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 72.98,
      "median_lifetime_state_tax": 74340,
      "p90_lifetime_state_tax": 74340,
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    {
      "slug": "new-york",
      "name": "New York",
      "abbr": "NY",
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      "taxes_trad": true,
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      "success_rate": 69.67,
      "median_lifetime_state_tax": 137340,
      "p90_lifetime_state_tax": 137340,
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    {
      "slug": "north-carolina",
      "name": "North Carolina",
      "abbr": "NC",
      "top_rate": 4.5,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.0,
      "median_lifetime_state_tax": 56700,
      "p90_lifetime_state_tax": 56700,
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    {
      "slug": "north-dakota",
      "name": "North Dakota",
      "abbr": "ND",
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      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.77,
      "median_lifetime_state_tax": 31500,
      "p90_lifetime_state_tax": 31500,
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    {
      "slug": "ohio",
      "name": "Ohio",
      "abbr": "OH",
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      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 74.91,
      "median_lifetime_state_tax": 44100,
      "p90_lifetime_state_tax": 44100,
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      "median_total_tax": 262500,
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    },
    {
      "slug": "oklahoma",
      "name": "Oklahoma",
      "abbr": "OK",
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      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.68,
      "median_lifetime_state_tax": 59850,
      "p90_lifetime_state_tax": 59850,
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      "median_total_tax": 278250,
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    {
      "slug": "oregon",
      "name": "Oregon",
      "abbr": "OR",
      "top_rate": 9.9,
      "tier": "high-tax",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": true,
      "success_rate": 70.64,
      "median_lifetime_state_tax": 124740,
      "p90_lifetime_state_tax": 124740,
      "median_aca_clawback": 0,
      "median_total_tax": 343140,
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    },
    {
      "slug": "pennsylvania",
      "name": "Pennsylvania",
      "abbr": "PA",
      "top_rate": 3.07,
      "tier": "friendly",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": true,
      "success_rate": 76.51,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
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    {
      "slug": "rhode-island",
      "name": "Rhode Island",
      "abbr": "RI",
      "top_rate": 5.99,
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      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": true,
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      "median_lifetime_state_tax": 75474,
      "p90_lifetime_state_tax": 75474,
      "median_aca_clawback": 0,
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    },
    {
      "slug": "south-carolina",
      "name": "South Carolina",
      "abbr": "SC",
      "top_rate": 6.2,
      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.66,
      "median_lifetime_state_tax": 78120,
      "p90_lifetime_state_tax": 78120,
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    },
    {
      "slug": "south-dakota",
      "name": "South Dakota",
      "abbr": "SD",
      "top_rate": 0.0,
      "tier": "tax-free",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.54,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
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      "median_terminal": 1008827,
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    },
    {
      "slug": "tennessee",
      "name": "Tennessee",
      "abbr": "TN",
      "top_rate": 0.0,
      "tier": "tax-free",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 75.66,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
      "median_aca_clawback": 0,
      "median_total_tax": 218400,
      "median_terminal": 952015,
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    },
    {
      "slug": "texas",
      "name": "Texas",
      "abbr": "TX",
      "top_rate": 0.0,
      "tier": "tax-free",
      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": false,
      "success_rate": 76.26,
      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
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    },
    {
      "slug": "utah",
      "name": "Utah",
      "abbr": "UT",
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      "tier": "moderate",
      "taxes_ss": true,
      "taxes_trad": true,
      "estate_tax": false,
      "success_rate": 73.91,
      "median_lifetime_state_tax": 57330,
      "p90_lifetime_state_tax": 57330,
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    },
    {
      "slug": "vermont",
      "name": "Vermont",
      "abbr": "VT",
      "top_rate": 8.75,
      "tier": "high-tax",
      "taxes_ss": true,
      "taxes_trad": true,
      "estate_tax": true,
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      "median_lifetime_state_tax": 110250,
      "p90_lifetime_state_tax": 110250,
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    },
    {
      "slug": "virginia",
      "name": "Virginia",
      "abbr": "VA",
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      "tier": "moderate",
      "taxes_ss": false,
      "taxes_trad": true,
      "estate_tax": false,
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      "p90_lifetime_state_tax": 72450,
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    },
    {
      "slug": "washington",
      "name": "Washington",
      "abbr": "WA",
      "top_rate": 0.0,
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      "taxes_ss": false,
      "taxes_trad": false,
      "estate_tax": true,
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      "median_lifetime_state_tax": 0,
      "p90_lifetime_state_tax": 0,
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    {
      "slug": "west-virginia",
      "name": "West Virginia",
      "abbr": "WV",
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      "taxes_trad": true,
      "estate_tax": false,
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    },
    {
      "slug": "wisconsin",
      "name": "Wisconsin",
      "abbr": "WI",
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      "tier": "high-tax",
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      "taxes_trad": true,
      "estate_tax": false,
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    },
    {
      "slug": "wyoming",
      "name": "Wyoming",
      "abbr": "WY",
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      "tier": "tax-free",
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      "taxes_trad": false,
      "estate_tax": false,
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    },
    {
      "slug": "district-of-columbia",
      "name": "District of Columbia",
      "abbr": "DC",
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  ]
}