What a taxable index-fund account is actually worth after expense-ratio drag and after Utah 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 Utah's normal income brackets, exactly like wages. This is the common case, and it surprises people who assume the federal 15% carries over. Long-term capital gains are taxed as ordinary income at the flat 4.45%. Utah Code 59-10-104 imposes the tax on 'state taxable income', which begins from federal adjusted gross income and therefore already includes net capital gain; there is no preferential rate, no holding-period discount, and no general exclusion. The federal preferential long-term rate does NOT carry over, so a gain taxed at 15% federally is taxed at the full 4.45% by Utah. Utah does offer a narrow capital gain transaction credit for gains reinvested in a Utah small business, which is a targeted economic-development credit rather than a general capital gains break; its conditions were not confirmed from a primary source in this pass and no figure for it is recorded.
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.
Utah charges $4,228 in state income tax on a typical retirement income, $2,672 in property tax on its median home and $1,810 in insurance — $8,710 together, which is 34th of 50.
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.
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.