# SavingsLast

> Free retirement drawdown calculators for the United States: how long savings last, the IRS 72(t) SEPP payment (matches the IRS's own published examples), required minimum distributions, Roth conversion cost, the bridge to 59½, pension lump sum against annuity, inherited IRA schedules, Social Security claiming ages, and retirement taxes in all 50 states and DC.

Every calculator is an MCP tool at https://savingslast.com/mcp (Streamable HTTP, no key; how to connect: https://savingslast.com/ai/). Every page has a markdown twin at its URL plus ".md"; the links below point at those. Federal tax figures are tax year 2026; life-expectancy tables are the 2022 IRS tables. Author: Muhammad Ejaz. Everything is an educational estimate, not financial, tax or investment advice. Corrections log: https://savingslast.com/corrections/. Test cases anyone can check: https://savingslast.com/72t-calculator-test-cases/.

## Calculators

- [How Long Will My Money Last? Free Calculator](https://savingslast.com/index.md): See how many years your savings last at your withdrawal rate, return and inflation. Free chart, plus the safe amount to withdraw for 20, 25 or 30 years.
- [4% Rule Calculator — Is 4% Still Safe?](https://savingslast.com/4-percent-rule-calculator.md): Test the 4% rule on your own balance, return and horizon. See what 4% actually pays, where the rule came from, and when 3% or 5% fits better.
- [401(k) Distribution Calculator — How Long Will It Last?](https://savingslast.com/401k-distribution-calculator.md): Model 401(k) withdrawals with tax, growth and inflation. See how many years your 401(k) lasts and the monthly distribution it supports.
- [403(b) Withdrawal Calculator — How Long Will It Last?](https://savingslast.com/403b-calculator.md): For teachers, nurses and nonprofit staff: see how long your 403(b) lasts with tax, growth and inflation, plus the safe monthly distribution.
- [457(b) Calculator — No-Penalty Early Withdrawals](https://savingslast.com/457b-calculator.md): For government employees: model penalty-free early withdrawals, tax, growth and inflation to see how long your 457(b) lasts.
- [72(t) Calculator (SEPP): All Three IRS Methods, Step by Step](https://savingslast.com/72t-distribution-calculator.md): A $500,000 IRA at 52 pays $30,773 a year under fixed amortization at 5%. All three IRS methods from Notice 2022-6, with the table, factor and formula shown.
- [All Retirement Calculators and Guides](https://savingslast.com/calculators.md): Every calculator and guide on SavingsLast — by balance, by retirement age, by account type, plus Social Security and retirement taxes in all 50 states.
- [Bridge to 59½ Calculator: Roth Ladder vs 72(t) vs Taxable First](https://savingslast.com/retire-early-bridge-calculator.md): Year by year to 59½: which account pays for what, what a Roth ladder must convert, the 72(t) alternative, federal tax and the ACA line. Three strategies compared.
- [Early Withdrawal Penalty Calculator — 401(k) and IRA](https://savingslast.com/early-withdrawal-penalty-calculator.md): What a withdrawal before 59½ really costs after the 10% penalty and income tax, plus every IRS exception that lets you avoid the penalty entirely.
- [How Long Will My Money Last in Retirement? Calculator](https://savingslast.com/how-long-will-my-money-last-in-retirement.md): Free calculator showing exactly how long your money lasts in retirement, after Social Security, inflation and tax. See the age your savings run out.
- [How Long Will My Retirement Savings Last? Free Calculator](https://savingslast.com/how-long-will-my-retirement-savings-last.md): Calculate how long your retirement savings will last at your withdrawal amount, returns and inflation — plus the safe withdrawal rate for a 30-year retirement.
- [How Long Will My Savings Last? Free Calculator](https://savingslast.com/how-long-will-my-savings-last.md): Work out how long your savings will last at your monthly spending, with interest and inflation. For career breaks, redundancy, sabbaticals or bridging to retirement.
- [HSA Retirement Calculator — The 65 Rule](https://savingslast.com/hsa-retirement-calculator.md): After 65 an HSA works like a traditional IRA for any spending, and stays tax-free for medical costs. See how long an HSA lasts and how to use it in retirement.
- [Inherited IRA Calculator — The 10-Year Rule](https://savingslast.com/inherited-ira-calculator.md): Most non-spouse beneficiaries must empty an inherited IRA within 10 years. See what that means per year, when annual RMDs also apply, and how to spread the tax.
- [Investment Calculator With Withdrawals](https://savingslast.com/investment-calculator-with-withdrawals.md): Compound interest with regular withdrawals. See whether a balance grows or runs down when you take money out monthly, with inflation and tax.
- [IRA Withdrawal Calculator — How Long Will It Last?](https://savingslast.com/ira-withdrawal-calculator.md): Calculate how long a traditional or Roth IRA lasts with monthly withdrawals, investment growth, inflation and taxes. Includes the 30-year safe withdrawal amount.
- [Pension Lump Sum vs Annuity Calculator](https://savingslast.com/pension-lump-sum-vs-annuity-calculator.md): Compare a pension lump sum against the monthly annuity. Work out the implied payout rate, how long the lump sum lasts, and which decision fits your situation.
- [Retirement Drawdown Calculator — Free & Instant](https://savingslast.com/retirement-drawdown-calculator.md): Model monthly withdrawals, growth, inflation and tax to see how long your retirement savings last — plus your safe drawdown rate for 30 years.
- [Retirement Withdrawal Calculator — Safe Monthly Amount](https://savingslast.com/retirement-withdrawal-calculator.md): Find the safe monthly withdrawal from your retirement savings. Models returns, inflation and taxes, and solves the maximum you can take for 20, 25 or 30 years.
- [RMD Calculator 2026: Your Required Minimum Distribution](https://savingslast.com/rmd-calculator.md): Your 2026 RMD from the IRS Uniform Lifetime Table. A $500,000 IRA at 73 must pay out $18,868. The deadline, the 25% penalty, and a ten-year projection.
- [Roth Conversion Calculator 2026: Tax, Bracket Room, IRMAA](https://savingslast.com/roth-conversion-calculator.md): What a Roth conversion costs in 2026 federal tax, how much fits in your 12%, 22% or 24% bracket, and the Medicare and ACA cliffs it can cross. From the IRS tables.
- [Roth IRA Withdrawal Calculator — Tax-Free Income](https://savingslast.com/roth-ira-withdrawal-calculator.md): Roth withdrawals are tax free in retirement and there are no required distributions. See how long a Roth lasts, plus the ordering and five-year rules.
- [Rule of 55 Calculator — Penalty-Free 401(k) at 55](https://savingslast.com/rule-of-55-calculator.md): The rule of 55 lets you withdraw from your current employer 401(k) penalty-free after leaving at 55+. See how long the money lasts and the mistake that voids it.
- [Savings Withdrawal Calculator — How Long Will It Last?](https://savingslast.com/savings-withdrawal-calculator.md): Calculate how long savings last with monthly withdrawals, interest and inflation. See the balance year by year and your safe withdrawal amount.
- [SEP IRA Withdrawal Calculator](https://savingslast.com/sep-ira-withdrawal-calculator.md): How long a SEP IRA lasts in retirement, plus the distribution rules for the self-employed: 59½, required distributions at 73, and the tax on every withdrawal.
- [SIMPLE IRA Withdrawal Calculator — The 2-Year Rule](https://savingslast.com/simple-ira-withdrawal-calculator.md): SIMPLE IRA withdrawals in the first two years carry a 25% penalty, not 10%. See the rules, the rollover trap, and how long your balance lasts in retirement.
- [TSP Withdrawal Calculator — How Long Will TSP Last?](https://savingslast.com/tsp-withdrawal-calculator.md): For federal employees and military: model TSP installments, tax, growth and inflation to see how long your Thrift Savings Plan lasts.

## Guides

- [Can You Work While Taking a 72(t)? Yes, With One Catch](https://savingslast.com/can-you-work-while-taking-a-72t.md): You can work as much as you like while a 72(t) runs. The rule that traps people is about the account, not the job — and it costs the whole series.
- [Retirement Drawdown Guides](https://savingslast.com/guides.md): Plain explanations of the 4% rule, safe withdrawal rates and the strategies for drawing down retirement savings, each with the calculator attached.
- [Retirement Withdrawal Strategies Compared](https://savingslast.com/retirement-withdrawal-strategies.md): Fixed real, fixed percentage, guardrails, the RMD method and buckets — what each strategy does to your income, and which one suits which retiree.
- [Safe Withdrawal Rate for 2026: What the Research Says](https://savingslast.com/safe-withdrawal-rate-2026.md): Morningstar puts the 2026 safe starting withdrawal rate at 3.9% for a 30-year retirement. What that assumes, how it has moved since 2021, and what changes it.
- [What a 401(k) Hardship Withdrawal Actually Leaves You](https://savingslast.com/401k-hardship-withdrawal-what-you-keep.md): Withdraw $20,000 for a hardship and roughly $13,600 lands, on the assumptions below. To end up with $20,000 you have to request about $29,400.
- [What Is the 4% Rule for Retirement? (And When It Breaks)](https://savingslast.com/what-is-the-4-percent-rule.md): The 4% rule explained: where it came from, what it actually promises, the four assumptions that break it, and what researchers say the safe rate is now.

## Social Security

- [How Long Will My Money Last With Social Security?](https://savingslast.com/how-long-will-my-money-last-with-social-security.md): Social Security covers part of your spending, so your savings only need to cover the rest. Calculate how long the gap lasts, with the average benefit built in.
- [How Much Do I Need to Retire With Social Security?](https://savingslast.com/how-much-do-i-need-to-retire-with-social-security.md): Work out the savings balance you need once Social Security is counted. Tables by monthly spending, for a single retiree and for a couple with two benefits.
- [Is Social Security Taxable? Thresholds and Examples](https://savingslast.com/is-social-security-taxable.md): Up to 85% of Social Security is taxable once other income crosses the provisional-income thresholds. The limits, a worked example, and how to reduce it.
- [Retirement Income Calculator With Social Security](https://savingslast.com/retirement-income-calculator-with-social-security.md): Add Social Security, pension and portfolio withdrawals into one monthly retirement income figure, and see how long the portfolio side of it lasts.
- [Social Security Break-Even Calculator — 62 vs 67 vs 70](https://savingslast.com/social-security-break-even-calculator.md): Find the age at which waiting to claim Social Security overtakes claiming early. Compares 62, full retirement age and 70, with COLA and investment returns.
- [Social Security Bridge Calculator — Retire Before Claiming](https://savingslast.com/social-security-bridge-calculator.md): Spend savings between retiring and claiming Social Security to buy a permanently larger benefit. Calculate what the bridge costs and what it buys.
- [When to Take Social Security — 62, 67 or 70?](https://savingslast.com/when-to-take-social-security.md): How to decide when to claim Social Security: what each age pays, the break-even maths, the survivor-benefit rule for couples, and when claiming early is right.
- [Which States Tax Social Security Benefits?](https://savingslast.com/social-security-taxes-by-state.md): Only eight states still tax Social Security, and most exempt it below an income threshold. The full list, the thresholds, and what other states tax instead.

## Can I retire at an age

- [Can I Retire at 55? What It Really Takes](https://savingslast.com/can-i-retire-at-55.md): Retiring at 55 means a 40-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.
- [Can I Retire at 60? What It Really Takes](https://savingslast.com/can-i-retire-at-60.md): Retiring at 60 means a 35-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.
- [Can I Retire at 62? What It Really Takes](https://savingslast.com/can-i-retire-at-62.md): Retiring at 62 means a 33-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.
- [Can I Retire at 65? What It Really Takes](https://savingslast.com/can-i-retire-at-65.md): Retiring at 65 means a 30-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.
- [Can I Retire at 67? What It Really Takes](https://savingslast.com/can-i-retire-at-67.md): Retiring at 67 means a 28-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.
- [Can I Retire at 70? What It Really Takes](https://savingslast.com/can-i-retire-at-70.md): Retiring at 70 means a 25-year horizon. See the balance required, the safe withdrawal rate, healthcare before Medicare, and how Social Security fits.

## How long will a balance last

- [How Long Will $1 Million Last in Retirement?](https://savingslast.com/how-long-will-1-million-last-in-retirement.md): $1 Million supports about $3,921/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $1.2 Million Last in Retirement?](https://savingslast.com/how-long-will-1-2-million-last-in-retirement.md): $1.2 Million supports about $4,705/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $1.5 Million Last in Retirement?](https://savingslast.com/how-long-will-1-5-million-last-in-retirement.md): $1.5 Million supports about $5,882/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $100,000 Last in Retirement?](https://savingslast.com/how-long-will-100k-last-in-retirement.md): $100,000 supports about $392/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $150,000 Last in Retirement?](https://savingslast.com/how-long-will-150k-last-in-retirement.md): $150,000 supports about $588/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $2 Million Last in Retirement?](https://savingslast.com/how-long-will-2-million-last-in-retirement.md): $2 Million supports about $7,842/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $2.5 Million Last in Retirement?](https://savingslast.com/how-long-will-2-5-million-last-in-retirement.md): $2.5 Million supports about $9,803/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $200,000 Last in Retirement?](https://savingslast.com/how-long-will-200k-last-in-retirement.md): $200,000 supports about $784/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $250,000 Last in Retirement?](https://savingslast.com/how-long-will-250k-last-in-retirement.md): $250,000 supports about $980/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $3 Million Last in Retirement?](https://savingslast.com/how-long-will-3-million-last-in-retirement.md): $3 Million supports about $11,764/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $300,000 Last in Retirement?](https://savingslast.com/how-long-will-300k-last-in-retirement.md): $300,000 supports about $1,176/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $350,000 Last in Retirement?](https://savingslast.com/how-long-will-350k-last-in-retirement.md): $350,000 supports about $1,372/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $4 Million Last in Retirement?](https://savingslast.com/how-long-will-4-million-last-in-retirement.md): $4 Million supports about $15,685/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $400,000 Last in Retirement?](https://savingslast.com/how-long-will-400k-last-in-retirement.md): $400,000 supports about $1,568/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $450,000 Last in Retirement?](https://savingslast.com/how-long-will-450k-last-in-retirement.md): $450,000 supports about $1,765/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $5 Million Last in Retirement?](https://savingslast.com/how-long-will-5-million-last-in-retirement.md): $5 Million supports about $19,606/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $500,000 Last in Retirement?](https://savingslast.com/how-long-will-500k-last-in-retirement.md): $500,000 supports about $1,961/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $600,000 Last in Retirement?](https://savingslast.com/how-long-will-600k-last-in-retirement.md): $600,000 supports about $2,353/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $700,000 Last in Retirement?](https://savingslast.com/how-long-will-700k-last-in-retirement.md): $700,000 supports about $2,745/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $750,000 Last in Retirement?](https://savingslast.com/how-long-will-750k-last-in-retirement.md): $750,000 supports about $2,941/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $800,000 Last in Retirement?](https://savingslast.com/how-long-will-800k-last-in-retirement.md): $800,000 supports about $3,137/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.
- [How Long Will $900,000 Last in Retirement?](https://savingslast.com/how-long-will-900k-last-in-retirement.md): $900,000 supports about $3,529/month for 30 years at 5% returns and 2.5% inflation. See how long it lasts at your own withdrawal rate.

## Retirement taxes by state

- [Alabama Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-alabama.md): Does Alabama tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Alaska Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-alaska.md): Does Alaska tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Arizona Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-arizona.md): Does Arizona tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Arkansas Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-arkansas.md): Does Arkansas tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [California Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-california.md): Does California tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Colorado Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-colorado.md): Does Colorado tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Connecticut Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-connecticut.md): Does Connecticut tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Delaware Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-delaware.md): Does Delaware tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Florida Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-florida.md): Does Florida tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Georgia Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-georgia.md): Does Georgia tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Hawaii Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-hawaii.md): Does Hawaii tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Idaho Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-idaho.md): Does Idaho tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Illinois Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-illinois.md): Does Illinois tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Indiana Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-indiana.md): Does Indiana tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Iowa Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-iowa.md): Does Iowa tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Kansas Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-kansas.md): Does Kansas tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Kentucky Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-kentucky.md): Does Kentucky tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Louisiana Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-louisiana.md): Does Louisiana tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Maine Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-maine.md): Does Maine tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Maryland Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-maryland.md): Does Maryland tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Massachusetts Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-massachusetts.md): Does Massachusetts tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Michigan Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-michigan.md): Does Michigan tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Minnesota Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-minnesota.md): Does Minnesota tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Mississippi Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-mississippi.md): Does Mississippi tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Missouri Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-missouri.md): Does Missouri tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Montana Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-montana.md): Does Montana tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Nebraska Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-nebraska.md): Does Nebraska tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Nevada Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-nevada.md): Does Nevada tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [New Hampshire Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-new-hampshire.md): Does New Hampshire tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [New Jersey Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-new-jersey.md): Does New Jersey tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [New Mexico Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-new-mexico.md): Does New Mexico tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [New York Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-new-york.md): Does New York tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [North Carolina Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-north-carolina.md): Does North Carolina tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [North Dakota Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-north-dakota.md): Does North Dakota tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Ohio Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-ohio.md): Does Ohio tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Oklahoma Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-oklahoma.md): Does Oklahoma tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Oregon Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-oregon.md): Does Oregon tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Pennsylvania Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-pennsylvania.md): Does Pennsylvania tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Retirement Taxes by State (2025) — All 51 Compared](https://savingslast.com/retirement-taxes-by-state.md): Which states tax Social Security, pensions and 401(k) withdrawals, plus sales, property and estate tax for all 50 states and DC. Reviewed for 2025.
- [Rhode Island Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-rhode-island.md): Does Rhode Island tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [South Carolina Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-south-carolina.md): Does South Carolina tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [South Dakota Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-south-dakota.md): Does South Dakota tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Tennessee Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-tennessee.md): Does Tennessee tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Texas Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-texas.md): Does Texas tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Utah Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-utah.md): Does Utah tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Vermont Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-vermont.md): Does Vermont tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Virginia Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-virginia.md): Does Virginia tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Washington Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-washington.md): Does Washington tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Washington, D.C. Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-washington-dc.md): Does Washington, D.C. tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [West Virginia Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-west-virginia.md): Does West Virginia tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Wisconsin Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-wisconsin.md): Does Wisconsin tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.
- [Wyoming Retirement Taxes (2025): What's Taxed](https://savingslast.com/retirement-taxes-in-wyoming.md): Does Wyoming tax Social Security, pensions or 401(k) withdrawals? The 2025 rules, rates, and what the state tax actually costs a retiree.

## Reference

- [72(t) Calculator Test Cases: 10 IRS Examples to Check Any Tool](https://savingslast.com/72t-calculator-test-cases.md): Ten worked examples from the IRS SEPP FAQ and Notice 2022-6, with every input and the expected figure. Test any 72(t) calculator against them before you file.
- [About SavingsLast](https://savingslast.com/about.md): Who builds SavingsLast, how the calculators work, what they do not claim to be, and how the site is paid for.
- [Corrections Log — SavingsLast](https://savingslast.com/corrections.md): Every correction made to a figure or a rule statement on SavingsLast, with the date, what was wrong, what it is now, and who found it.
- [Disclaimer — SavingsLast](https://savingslast.com/disclaimer.md): SavingsLast calculators are educational estimates, not financial advice.
- [Embed These Retirement Calculators — Free](https://savingslast.com/embed-calculator.md): Add any of 8 free retirement calculators to your own site. One line of code each, no signup, works on any page. Free to use with attribution.
- [Methodology — How SavingsLast Calculators Work](https://savingslast.com/methodology.md): The exact arithmetic behind every SavingsLast calculator: the monthly loop, the tax gross-up, the solver, and an honest list of what the model ignores.
- [Privacy Policy — SavingsLast](https://savingslast.com/privacy.md): SavingsLast privacy policy.
- [SavingsLast for AI Assistants: MCP Server and llms.txt](https://savingslast.com/ai.md): Connect Claude, ChatGPT, Cursor or any MCP client to every SavingsLast calculator at savingslast.com/mcp. Free, no key. Plus llms.txt and markdown for every page.

## Optional

- [Every page in one file](https://savingslast.com/llms-full.txt): the full text of the site, 129 pages
- [For AI assistants](https://savingslast.com/ai/): MCP endpoint, tools and terms
- [Sitemap](https://savingslast.com/sitemap.xml)