US retirement calculator
Retirement planning for Florida.
No state income tax. Run your projection. free
Run your projection — freeFlorida at a glance (2026)
Top combined rate
37%
State tax model
None
Standard deduction
$16,100
RMD start age
73
No state income tax
Florida does not levy a state income tax. Your 401(k)/IRA withdrawals, Roth conversions, Social Security, and investment gains are taxed only at federal rates (10-37%).
What this means for your retirement
Florida retirement planning insights
Florida has no state income tax — the most popular retirement destination in the US combines warm weather with tax efficiency
Like Texas, Roth conversions in Florida cost only the federal rate. Florida's lack of estate/inheritance tax is an additional planning advantage
Florida's homestead exemption ($50K) and Save Our Homes cap (3% annual assessment increase) make property taxes more predictable for long-term residents
Florida retirees who moved from high-tax states (NY, CA, NJ) should time their move carefully — establish residency before large IRA distributions or asset sales
Frequently asked questions
› Why is Florida the most popular retirement state?
No state income tax, no estate tax, no inheritance tax, homestead protection, and warm weather. Florida retirees keep more of every dollar withdrawn from retirement accounts. The total tax savings vs a high-tax state like New York can exceed $10,000-50,000/year depending on income.
› Should I move to Florida before taking large distributions?
Yes — if you're planning a large Roth conversion, pension lump sum, or asset sale, establishing Florida residency first avoids state tax on that income. The timing of your move relative to these events can save thousands. cinder.fi lets you model both scenarios.
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