TaxtirementState guides · TX
How Texas taxes retirement income
- Texas has no state income tax, so Social Security, pensions, IRA and 401(k) withdrawals, Roth conversions, interest, dividends and capital gains are not taxed by the state.
- Federal income tax and Medicare premiums still apply, and they're where most retirement tax planning happens.
At a glance
| Income tax | None |
|---|---|
| Social Security | Not taxed |
| Pensions, IRAs, 401(k)s | Not taxed |
| Roth conversions | Not taxed |
| Interest, dividends, capital gains | Not taxed |
Detail
No personal income tax; Texas Constitution Art. 8 §24-a (2019) prohibits a tax on the net incomes of individuals.
This page covers income tax only. Property, sales and estate or inheritance taxes are separate. Taxtirement does use your state's sales tax for the federal itemized deduction when that's larger.
Source
- Texas: no individual income taxhttps://statutes.capitol.texas.gov/Docs/CN/htm/CN.8.htm
See your own years. Taxtirement applies these Texas rules, and the federal and Medicare rules, to your household for every year of retirement, and shows the calculation behind each number. Coming November 2026 for iPhone, iPad and Mac.
This page summarizes Texas's 2026 rules as Taxtirement applies them, for education and planning. It isn't tax advice, and it doesn't cover every situation (for example part-year residents, businesses or military-only provisions). Rules change; check the state's current instructions, or a tax professional, before you act. Spotted something wrong? Tell us.