What a taxable index-fund account is actually worth after expense-ratio drag and after Nebraska takes its share of the gain — which, in most states, is not at the federal preferential rate.
There is no state equivalent of the federal preferential rate here — a long-term gain is charged at Nebraska's normal income brackets, exactly like wages. This is the common case, and it surprises people who assume the federal 15% carries over. No general capital gains preference. Nebraska taxable income starts from federal AGI, which already includes net capital gain in full, and neither Form 1040N nor Schedule I contains any general exclusion, deduction, rate differential, or holding-period preference. Long-term and short-term gains are taxed identically at the ordinary graduated rates. The legacy preferential-rate mechanism is dead: the Tax Rate Chronology notes the additional rate schedule has not applied for tax years 2018 through 2025 and it does not revive for 2026. ONE NARROW ELECTIVE EXCLUSION EXISTS AND SHOULD NOT BE MODELLED AS A GENERAL PREFERENCE: Neb. Rev. Stat. 77-2715.09 allows a resident a ONCE-PER-LIFETIME election, for the stock of ONE corporation, to subtract extraordinary dividends and capital gain on employer stock acquired through employment — where the corporation has been actively doing business in Nebraska for at least three years, an 'extraordinary dividend' exceeds 20% of the stock's fair market value at declaration, and stock rights, warrants, options and debt securities are excluded by definition. Claimed on Schedule I line 19 with Form 4797N. Separately, 77-2716(26) excludes net capital gain on gold and silver bullion for 2025 forward, with a matching add-back of bullion losses at 77-2716(25).
What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
What retiring actually costs across all fifty states in 2026 — the three lines that decide it, why ranking states by income tax gets the answer wrong, the federal rules that follow you everywhere, and the decisions that are worth real money before you move.
Nebraska charges $2,072 in state income tax on a typical retirement income, $4,332 in property tax on its median home and $4,815 in insurance — $11,219 together, which is 44th of 50.
What moving actually saves, on your own income mix rather than a headline rate — and how to establish domicile so the state you left cannot follow you.
Which account to draw first, priced. The three cliffs a withdrawal can cross without warning, the conversion window almost nobody uses, and why the order is the last big decision you can still change.