Retiring in Oklahoma
Every figure below is sourced to Oklahoma’s own publications and dated. Estimates only, and not tax advice.
Retirement tax by state
What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.
Brokerage account growth
Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.
Roth vs. Traditional
Decided on the two rates that actually govern it — yours now, and yours at withdrawal, in the state you'll retire in rather than the one you're in.
Contribution limit optimizer
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
Required minimum distribution
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
Backdoor Roth pro-rata
What a backdoor Roth conversion would actually cost you in tax — the pro-rata rule most calculators only describe.
Self-directed IRA real estate (UDFI)
The tax a leveraged rental owes inside a self-directed IRA — computed at trust rates, not the rate you'd assume.
Oklahoma at a glance
- 401(k) and IRA withdrawals
- Partly excluded
- Social Security
- Not taxed
- Top marginal rate
- 4.5%
- The top of 4 graduated brackets.
- Tax year
- 2026
- Brackets are legislated and change on a fixed calendar, so the year matters.
- Oklahoma is generous to military retirees and to low-income retirees and unremarkable for everyone else: $10,000 per person of pension or 401(k) relief on top of a full Social Security exemption, with the balance taxed at up to 4.5%.
- The $10,000 ceiling is a fixed statutory amount and is not indexed, so its real value erodes each year.
- DELIBERATE OMISSION: autoIraProgram is not populated. Oklahoma has no state-facilitated auto-IRA employer mandate.