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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the 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retirement.",[815],{"type":129,"attrs":816},{"color":12},{"type":764,"attrs":818,"content":819},{"level":766},[820],{"text":821,"type":22,"marks":822},"What taxes will I face in retirement? ",[823],{"type":129,"attrs":824},{"color":12},{"type":18,"content":826},[827],{"text":828,"type":22,"marks":829},"How much tax you pay in retirement depends on a few factors, including: ",[830],{"type":129,"attrs":831},{"color":12},{"type":774,"content":833},[834,843,852],{"type":777,"content":835},[836],{"type":18,"content":837},[838],{"text":839,"type":22,"marks":840},"Filing status ",[841],{"type":129,"attrs":842},{"color":12},{"type":777,"content":844},[845],{"type":18,"content":846},[847],{"text":848,"type":22,"marks":849},"Retirement income sources ",[850],{"type":129,"attrs":851},{"color":12},{"type":777,"content":853},[854],{"type":18,"content":855},[856],{"text":857,"type":22,"marks":858},"Total annual income ",[859],{"type":129,"attrs":860},{"color":12},{"type":18,"content":862},[863],{"text":864,"type":22,"marks":865},"For example, for the tax year 2022, if you are filing jointly with a spouse who is also 65 or older, you will file a return and pay taxes if your income exceeds $28,700 ($27,300 if your spouse isn't 65). ",[866],{"type":129,"attrs":867},{"color":12},{"type":764,"attrs":869,"content":870},{"level":766},[871],{"text":872,"type":22,"marks":873},"How much tax will I pay on Social Security?",[874],{"type":129,"attrs":875},{"color":12},{"type":18,"content":877},[878],{"text":879,"type":22,"marks":880},"Social Security benefits are not exempt from tax. How much you pay here will depend on your overall retirement income.  ",[881],{"type":129,"attrs":882},{"color":12},{"type":18,"content":884},[885],{"text":886,"type":22,"marks":887},"Simply put, the more income you receive in retirement, the greater the taxable part of your benefits. 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This can be on the sale of real estate or other investments that have increased in value over their original purchase price.",[953],{"type":129,"attrs":954},{"color":12},{"type":18,"content":956},[957],{"text":958,"type":22,"marks":959},"How much capital gains tax you pay will depend on how long you owned the asset before selling, your filing status, and your taxable income.",[960],{"type":129,"attrs":961},{"color":12},{"type":18,"content":963},[964],{"text":965,"type":22,"marks":966},"You can calculate your tax liability using a capital gains tax calculator here.",[967],{"type":129,"attrs":968},{"color":12},{"type":18,"content":970},[971],{"text":972,"type":22,"marks":973},"The Taxpayer Relief Act of 1997 increased the range of capital gains exemptions available to homeowners so that it was no longer about age. However, these exemptions only apply to investment properties, not your main residence. Over the years, capital gains tax law has evolved to make things easier for homeowners in every age group. ",[974],{"type":129,"attrs":975},{"color":12},"article-rich-text",{"_uid":978,"link_url":537,"component":979,"link_text":980,"description":981},"4a5c8446-0999-4776-bcd8-9900136aad54","article-banner","Capital gains tax calculator","Work out how much capital gains tax you owe with our quick and easy calculator",{"_uid":983,"data":984,"component":976},"ae07f789-984b-461a-bc18-e3d6ec41cab1",{"type":15,"content":985},[986,994,1001,1008,1015,1023,1030,1037,1044,1082,1129,1149,1156,1164,1171,1178,1242,1250],{"type":764,"attrs":987,"content":988},{"level":766},[989],{"text":990,"type":22,"marks":991},"How much tax will I pay on other forms of income?",[992],{"type":129,"attrs":993},{"color":12},{"type":18,"content":995},[996],{"text":997,"type":22,"marks":998},"Income from other sources, including taxable interest from investments outside your retirement funds, is subject to tax at ordinary income rates.  ",[999],{"type":129,"attrs":1000},{"color":12},{"type":18,"content":1002},[1003],{"text":1004,"type":22,"marks":1005},"So, when it comes to tax in retirement, what is the main takeaway?  ",[1006],{"type":129,"attrs":1007},{"color":12},{"type":18,"content":1009},[1010],{"text":1011,"type":22,"marks":1012},"The IRS does not allow specific tax exemptions for seniors — either on income or capital gains. A back-end tax-advantaged retirement account like the Roth IRA is as close as possible. ",[1013],{"type":129,"attrs":1014},{"color":12},{"type":764,"attrs":1016,"content":1017},{"level":766},[1018],{"text":1019,"type":22,"marks":1020},"What states don’t tax retirement income? ",[1021],{"type":129,"attrs":1022},{"color":12},{"type":18,"content":1024},[1025],{"text":1026,"type":22,"marks":1027},"Naturally, you want to retain as much of your retirement income as possible, so it pays to know which states will levy taxes on it and which won’t.  ",[1028],{"type":129,"attrs":1029},{"color":12},{"type":18,"content":1031},[1032],{"text":1033,"type":22,"marks":1034},"Quite a few states levy zero income tax, which includes your retirement income, while many exclude Social Security benefits. Then there are the states that specifically exclude retirement income from taxation. ",[1035],{"type":129,"attrs":1036},{"color":12},{"type":18,"content":1038},[1039],{"text":1040,"type":22,"marks":1041},"The following states levy no state income tax of any kind: ",[1042],{"type":129,"attrs":1043},{"color":12},{"type":774,"content":1045},[1046,1055,1064,1073],{"type":777,"content":1047},[1048],{"type":18,"content":1049},[1050],{"text":1051,"type":22,"marks":1052},"Alaska – No state income tax. ",[1053],{"type":129,"attrs":1054},{"color":12},{"type":777,"content":1056},[1057],{"type":18,"content":1058},[1059],{"text":1060,"type":22,"marks":1061},"Florida – No state income tax. ",[1062],{"type":129,"attrs":1063},{"color":12},{"type":777,"content":1065},[1066],{"type":18,"content":1067},[1068],{"text":1069,"type":22,"marks":1070},"Illinois – No retirement income tax, including Social Security, pension, IRA, and 401(k). ",[1071],{"type":129,"attrs":1072},{"color":12},{"type":777,"content":1074},[1075],{"type":18,"content":1076},[1077],{"text":1078,"type":22,"marks":1079},"Mississippi – No retirement income tax, including Social Security, pension, IRA, and 401(k). ",[1080],{"type":129,"attrs":1081},{"color":12},{"type":774,"content":1083},[1084,1093,1102,1111,1120],{"type":777,"content":1085},[1086],{"type":18,"content":1087},[1088],{"text":1089,"type":22,"marks":1090},"Nevada – No state income tax. ",[1091],{"type":129,"attrs":1092},{"color":12},{"type":777,"content":1094},[1095],{"type":18,"content":1096},[1097],{"text":1098,"type":22,"marks":1099},"Pennsylvania – No retirement income tax, including Social Security, pension, IRA, and 401(k). ",[1100],{"type":129,"attrs":1101},{"color":12},{"type":777,"content":1103},[1104],{"type":18,"content":1105},[1106],{"text":1107,"type":22,"marks":1108},"South Dakota – No state income tax. ",[1109],{"type":129,"attrs":1110},{"color":12},{"type":777,"content":1112},[1113],{"type":18,"content":1114},[1115],{"text":1116,"type":22,"marks":1117},"Tennessee – No state income tax. ",[1118],{"type":129,"attrs":1119},{"color":12},{"type":777,"content":1121},[1122],{"type":18,"content":1123},[1124],{"text":1125,"type":22,"marks":1126},"Texas – No state income tax. ",[1127],{"type":129,"attrs":1128},{"color":12},{"type":774,"content":1130},[1131,1140],{"type":777,"content":1132},[1133],{"type":18,"content":1134},[1135],{"text":1136,"type":22,"marks":1137},"Washington – No state income tax. ",[1138],{"type":129,"attrs":1139},{"color":12},{"type":777,"content":1141},[1142],{"type":18,"content":1143},[1144],{"text":1145,"type":22,"marks":1146},"Wyoming – No state income tax. ",[1147],{"type":129,"attrs":1148},{"color":12},{"type":18,"content":1150},[1151],{"text":1152,"type":22,"marks":1153},"In contrast, the following 12 states will tax you on some or all of your Social Security benefits: Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia. ",[1154],{"type":129,"attrs":1155},{"color":12},{"type":764,"attrs":1157,"content":1158},{"level":766},[1159],{"text":1160,"type":22,"marks":1161},"How do I reduce tax when withdrawing from my retirement accounts? ",[1162],{"type":129,"attrs":1163},{"color":12},{"type":18,"content":1165},[1166],{"text":1167,"type":22,"marks":1168},"It’s also important to ensure your money isn’t eaten up by it when you start retirement fund withdrawals.  ",[1169],{"type":129,"attrs":1170},{"color":12},{"type":18,"content":1172},[1173],{"text":1174,"type":22,"marks":1175},"There are two ways you can avoid tax traps when withdrawing your money: ",[1176],{"type":129,"attrs":1177},{"color":12},{"type":774,"content":1179},[1180,1214],{"type":777,"content":1181},[1182],{"type":18,"content":1183},[1184,1190,1195,1209],{"text":1185,"type":22,"marks":1186},"Withdraw in the right order",[1187,1188],{"type":38},{"type":129,"attrs":1189},{"color":12},{"text":1191,"type":22,"marks":1192}," – If you retire with ",[1193],{"type":129,"attrs":1194},{"color":12},{"text":1196,"type":22,"marks":1197},"more than one",[1198,1207],{"type":31,"attrs":1199},{"href":1200,"uuid":1201,"anchor":34,"target":35,"linktype":74,"story":1202},"/discover/financial-advice/should-you-have-more-than-one-financial-advisor","caba0778-eb6c-4193-813b-3a9a0efd655d",{"name":1203,"id":1204,"uuid":1201,"slug":1205,"url":1206,"full_slug":1206,"_stopResolving":558},"Should you have more than one financial advisor",637830332,"should-you-have-more-than-one-financial-advisor","discover/financial-advice/should-you-have-more-than-one-financial-advisor",{"type":129,"attrs":1208},{"color":12},{"text":1210,"type":22,"marks":1211}," retirement fund that includes a Roth IRA, starting your withdrawals from your Roth account and getting some tax-free money might be tempting. This, however, is ill-advised. Roth IRAs are not subject to an RMD. This means you can keep your money there for as long as you wish, giving it more time to grow. Whereas withdrawals from your traditional 401(k) account will always be taxed, regardless of when you take it.  ",[1212],{"type":129,"attrs":1213},{"color":12},{"type":777,"content":1215},[1216],{"type":18,"content":1217},[1218,1224,1229,1237],{"text":1219,"type":22,"marks":1220},"Consider a Roth conversion ",[1221,1222],{"type":38},{"type":129,"attrs":1223},{"color":12},{"text":1225,"type":22,"marks":1226},"– If you have a traditional 401(k) or IRA, you can roll these accounts into a ",[1227],{"type":129,"attrs":1228},{"color":12},{"text":1230,"type":22,"marks":1231},"Roth IRA",[1232,1235],{"type":31,"attrs":1233},{"href":1234,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/why-save-for-retirement-with-a-roth-ira",{"type":129,"attrs":1236},{"color":12},{"text":1238,"type":22,"marks":1239},". Of course, this will result in an initial tax bill. But once that is paid, your money will grow tax-free in its Roth account and become free from the pressures of RMDs.  ",[1240],{"type":129,"attrs":1241},{"color":12},{"type":18,"content":1243},[1244],{"text":1245,"type":22,"marks":1246},"Are you looking for guidance when it comes to your retirement planning? A financial advisor can help you make confident financial choices and help you navigate through one of life’s biggest financial decisions.",[1247,1248],{"type":38},{"type":129,"attrs":1249},{"color":12},{"type":18,"content":1251},[1252,1260],{"text":1253,"type":22,"marks":1254},"Match with a fiduciary financial advisor now",[1255,1257,1258],{"type":31,"attrs":1256},{"href":809,"uuid":34,"anchor":34,"target":35,"linktype":36},{"type":38},{"type":129,"attrs":1259},{"color":12},{"text":1261,"type":22,"marks":1262},". ",[1263,1264],{"type":38},{"type":129,"attrs":1265},{"color":12},[1267],{"_uid":1268,"image":1269,"title":1274,"subtitle":12,"component":1286,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1270,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1271,"copyright":12,"fieldtype":1272,"meta_data":1273,"is_external_url":543},9496567,"https://a.storyblok.com/f/185166/900x450/a82fa6e32c/taxes-in-retirement-how-can-i-protect-my-income.jpg","asset",{},{"type":15,"content":1275},[1276],{"type":18,"content":1277},[1278,1284],{"text":1279,"type":22,"marks":1280},"Taxes in retirement:",[1281],{"type":25,"attrs":1282},{"class":1283},"primary-gradient",{"text":1285,"type":22}," how can I protect my income?","app-hero",{"name":1288,"created_at":1289,"published_at":1290,"updated_at":1291,"id":1292,"uuid":1293,"content":1294,"slug":1304,"full_slug":1305,"sort_by_date":34,"position":1306,"tag_list":1307,"is_startpage":543,"parent_id":1308,"meta_data":34,"group_id":1309,"first_published_at":1310,"release_id":34,"lang":730,"path":34,"alternates":1311,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1295,"_uid":1296,"name":1288,"image":1297,"component":1300,"education":1301,"expertise":1302,"description":1303},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1298,"alt":12,"name":12,"focus":12,"title":12,"filename":1299,"copyright":12,"fieldtype":1272,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1313],{"_uid":1314,"body":1315,"title":1328,"component":1329},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1316,1320,1324],{"_uid":1317,"href":1318,"text":1319,"component":542,"openInNewWindow":558},"d7b476d8-f2fb-49e6-ada2-ca735af0f9f3","https://www.unbiased.com/discover/retirement-investing/increase-retirement-savings","Increase retirement savings",{"_uid":1321,"href":1322,"text":1323,"component":542,"openInNewWindow":558},"1897a88c-f47f-4e0e-bd87-8f392547e62f","https://www.unbiased.com/discover/retirement-investing/five-common-retirement-planning-mistakes-to-avoid","Retirement mistakes to avoid",{"_uid":1325,"href":1326,"text":1327,"component":542,"openInNewWindow":558},"74110848-3ffd-4e2f-b505-745138e612e6","https://www.unbiased.com/discover/retirement-investing/four-retirement-risks-what-are-they-and-how-do-i-prepare","Retirement risks","Related articles","app-links-list",{"_uid":1331,"title":750,"plugin":1332,"og_image":12,"og_title":12,"description":1333,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"ee21b6c8-568c-492d-bbcb-97b1f8155088","seo_metatags","During retirement, tax is one of your biggest expenses. Our handy guide details what tax you will pay in retirement, how to protect your income, and how to reduce your tax bill.","app-article",[],[1337],"52b40336-decd-40aa-96b6-bb3d0b876e2b","Retirement is when you save goodbye to the frustrations of the working world. But, unfortunately, your tax bill is one annoyance you can’t escape. Taxes can become one of your biggest retirement expenses, so you must get a handle on them.",[],"taxes-in-retirement-how-can-i-protect-my-income","discover/taxes/taxes-in-retirement-how-can-i-protect-my-income",740,[],224651381,"68c05c22-8bcc-4819-8385-11d5f7261f0e","2023-05-26T16:04:15.340Z",[],{"left":727,"top":727,"width":1349,"height":1349,"rotate":727,"vFlip":543,"hFlip":543,"body":1350},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",{"left":727,"top":727,"width":1349,"height":1349,"rotate":727,"vFlip":543,"hFlip":543,"body":1352},"\u003Cpath fill=\"currentColor\" d=\"M17.92 11.62a1 1 0 0 0-.21-.33l-5-5a1 1 0 0 0-1.42 1.42l3.3 3.29H7a1 1 0 0 0 0 2h7.59l-3.3 3.29a1 1 0 0 0 0 1.42a1 1 0 0 0 1.42 0l5-5a1 1 0 0 0 .21-.33a1 1 0 0 0 0-.76\"/>",[1354,1357,1358],{"title":1355,"exact":558,"href":1356},"Home","https://www.unbiased.com",{"title":453,"exact":558,"to":466,"disabled":543},{"title":750,"exact":558,"to":1359,"disabled":558},"/discover/taxes/taxes-in-retirement-how-can-i-protect-my-income",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1361},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777972885464]