What a taxable index-fund account is actually worth after expense-ratio drag and after Tennessee takes its share of the gain — which, in most states, is not at the federal preferential rate.
Your gain is untouched by Tennessee. Only federal tax applies. No Tennessee tax on capital gains. Even at its height the Hall income tax did not reach capital gains -- it was a tax on interest and dividend income, and gain on the sale of stock fell outside it. With the Hall tax repealed for tax periods beginning on or after January 1, 2021 there is no individual-level Tennessee tax on investment income of any kind, and Tennessee has enacted nothing resembling Washington's standalone capital gains excise.
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.
Tennessee charges $0 in state income tax on a typical retirement income, $1,995 in property tax on its median home and $4,220 in insurance — $6,215 together, which is 12th 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.