Free Calculator – Tax Year 2025

Utah Retirement Income Tax Calculator

Estimate your federal and Utah state taxes on retirement income – Social Security, pensions, IRA withdrawals, and more.

Your Information

2025 Tax Year Utah Rate: 4.5% Federal Brackets Included

Filing status

Your birth year

Used to check Utah Retirement Credit eligibility (born on or before Dec 31, 1952)

Spouse’s birth year

Retirement Income Sources

Annual Social Security benefits

Enter gross annual SS – taxable portion calculated automatically

Annual pension income

Traditional IRA / 401(k) withdrawals

Roth IRA withdrawals

Tax-free – shown in gross income but excluded from tax calculations

Military retirement pay

Eligible for Utah’s 4.5% Military Retirement Credit

Other taxable income

Your Results

Enter your retirement income on the left and click Calculate my taxes to see your estimated federal and Utah state tax.

Estimated Net Annual Income

–

after federal + Utah state tax

Gross Income

Social Security–

Pension income–

IRA / 401(k) withdrawals–

Roth IRA (tax-free)–

Military retirement–

Other income–

Total gross income–

Federal Tax

SS included in federal income–

Federal AGI–

Standard deduction–

Federal taxable income–

Estimated federal income tax–

Federal effective rate–

Utah State Tax

Utah taxable income–

Utah tax @ 4.5%–

Utah credit applied–

Estimated Utah state tax–

Utah effective rate–

Summary

Total federal tax–

Total Utah state tax–

Total tax burden–

Combined effective rate–

Net spendable income–

Estimates only – for informational purposes. Does not account for itemized deductions, AMT, or IRMAA Medicare surcharges. Always verify with a tax professional or tax.utah.gov and irs.gov.

About This Estimate

Results are estimates only. This tool is designed to give you a general sense of your federal and Utah tax obligations in retirement – it is not a substitute for a tax return or professional advice.
Tax laws change. Federal and Utah tax rules are reviewed and updated periodically to reflect the most recent figures available at the time of publication.
Standard deductions and tax brackets are included. The calculator applies the current federal standard deduction by filing status and the seven federal tax brackets, along with Utah’s flat 4.5% rate and applicable credits.
Some situations are not included. Itemized deductions, the Alternative Minimum Tax (AMT), Medicare IRMAA surcharges, additional age-based deductions, state taxes outside Utah, and other special circumstances are not factored into this estimate.

Worked Examples

These examples are provided for illustration only. Your results will vary based on filing status, age, income sources, and eligibility for Utah tax credits.

Social Security Only

Single retiree, $28,000/yr Social Security

Gross income$28,000

SS taxable portion$0

Federal tax$0

Utah tax$0

Net income$28,000

Below the combined income threshold, none of this retiree’s Social Security is federally or Utah taxable – a common outcome for retirees relying solely on Social Security.

IRA Withdrawals

Married filing jointly, $24,000 SS + $40,000 IRA

Gross income$64,000

SS taxable portion$12,800

Federal tax$2,130

Utah tax (after credit)$1,800

Net income$60,070

IRA withdrawals push more Social Security into taxable territory. The Utah SS Benefits Credit partially offsets the state tax owed.

Retirement Credit

Single, born 1950, $18,000/yr pension

Gross income$18,000

Federal tax$225

Utah tax before credit$810

Utah Retirement Credit-$450

Net income$17,415

Born on or before Dec 31, 1952, this retiree qualifies for Utah’s $450 Retirement Credit, meaningfully reducing the state tax owed on pension income.