Deorbit Plan

Texas retirement income tax (2026)

How Texas taxes Social Security, pensions and IRA withdrawals, with a worked example

By the Deorbit Plan editorial team, a Berrydyne program · Last reviewed · Topic: Taxes in retirement

Income tax
None
Social Security
Not taxed
Retirement exclusion
Not needed

How Texas taxes retirement income

Texas has no personal income tax, so the simulator charges no Texas income tax on Social Security, pensions, IRA and 401(k) withdrawals, Roth conversions, wages or investment income[1]. Federal income tax still applies to all of them as usual; only the state layer is zero.

That makes Texas one of 9 states with no income tax at all, out of the 33 covered here. The notes below say whether the simulator leaves out any narrower tax Texas does levy.

Worked example

A retired couple, both 67, filing jointly, with $48,000 of Social Security, $40,000 of IRA withdrawals and a $20,000 pension. The figures are computed when the page is built, by the same state-tax function the simulator runs.

Married couple, both 67, in Texas
IRA / 401(k) withdrawals + pension$60,000
Social Security in the state base ($48,000 received, $40,000 federally taxable)$0
Texas income tax$0
Share of $108,000 gross income0.00%

A single retiree, 67, with half those amounts ($24,000 of Social Security, $20,000 of IRA withdrawals, a $10,000 pension) owes $0.

Texas state tax calculator

  • Texas income tax: $0. Texas has no personal income tax.

Runs the same state-tax function as the Deorbit Plan simulator, with withdrawals and pension split evenly between spouses on a joint return. State tax only; federal tax and any local income tax are not included.

Nearby states

The example couple’s state tax in Texas and in the nearest states covered here, same income and ages:

Example couple’s state income tax, 2026
StateIncome taxSocial SecurityCouple’s taxDifference
TexasNoneNot taxed$0n/a
ColoradoFlat 4.4%Exempt$0Same
Missouri2%–4.7%Exempt$1,131+$1,131

Against Texas, the couple would pay more in Missouri (+$1,131); the same in Colorado. With $200,000 of IRA withdrawals instead of $40,000, they would owe $0 in Texas, against Colorado ($6,151), Missouri ($8,651).

What this page leaves out

What the simulator does and does not handle for Texas, item by item[1]:

  • Texas has no personal income tax.

See it over a full plan

Load the demo plan with Texas as the state of residence and see the state tax line year by year, alongside federal tax, RMDs and Roth conversions. Open it in the simulator →

If you already have a saved plan, the link only takes you to the Household panel, where the state is set; your plan is not changed.

This page shows how the rules work. It is not financial, tax or investment advice. State law has details these pages leave out, so check the state’s own instructions or ask a tax professional before you act. See the disclaimer.

Sources

Verified . The full verification record for this entry is in the sources ledger, with every other figure the simulator uses on the sources page.