Benjamin Franklin once wrote, “[I]n this globe, nothing can be said to be sure, except death and taxes.” However, ancient Ben wasn’t entirely correct – at least not for retirement fund income.

If you’re retired, you may or may not have to pay state taxes on your retirement fund income. Here are 13 states that won’t levy your Social safety, 401(k), person retirement fund account (IRA), or retirement fund income.

States that don’t have an income levy

Depending on where you live, you might not have to wait until you’re retired to forego paying income taxes. Nine states currently have no income levy at all:

• Alaska
• Florida
• Nevada
• recent Hampshire
• South Dakota
• Tennessee
• Texas
• Washington
• Wyoming

Are there any gotchas with these states? Yes, a couple.

While recent Hampshire doesn’t have a state income levy, it does levy taxes on dividends and gain. The excellent information for retirees is that you won’t pay those taxes on payout and gain income within an IRA or 401(k). Even better information: recent Hampshire will phase out these taxes after 2024.

Also, the state of Washington taxes financing distribution gains. That might have changed next year, but voters rejected an initiative to eliminate the taxes.

States that levy income but not retirement fund income

All the other U.S. states still have income taxes. However, four of them don’t levy retirement fund income, including money received from Social safety, 401(k) plans, IRAs, or pensions:

• Illinois
• Iowa
• Mississippi
• Pennsylvania

However, in some cases, when you withdraw money from a retirement fund account could be significant. In Mississippi, for instance, early distributions aren’t viewed as retirement fund income and could be subject to taxes. Pennsylvania also taxes early distributions.

Alabama will levy retirement fund income from 401(k) plans and IRAs. However, the state doesn’t levy Social safety retirement fund benefits or retirement fund income from a defined advantage retirement fund schedule.

Hawaii won’t levy any retirement fund distributions from private or community retirement fund plans as long as retirees don’t contribute to the plans. retirement fund plans with employee contributions are taxable only on the portion of increased worth in the schedule resulting from the employee contributions.

States where Social safety isn’t taxed

There’s excellent information and impoverished information if you’re retired and live in a state not already mentioned. First, the impoverished information: You might have to pay state taxes on at least some of your retirement fund income.

The excellent information, though, is that many states don’t levy Social safety benefits. Below are the states (other than the 13 that don’t levy any retirement fund income) that don’t levy Social safety:

• Alabama
• Arizona
• Arkansas
• California
• Delaware
• Georgia
• Hawaii
• Idaho
• Indiana
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Missouri
• Nebraska
• recent Jersey
• recent York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• South Carolina
• Virginia
• Wisconsin

Taxes are still inevitable, just in different forms

Even if you live in a state where retirement fund income isn’t taxed, you’ll still pay taxes in other forms. If you own a house, you’ll pay property taxes regardless of where you live. Most states also have sales taxes (the exceptions are Alaska, Delaware, Montana, recent Hampshire, and Oregon).

Benjamin Franklin’s statement that taxes are sure still rings factual today. Taxes are inevitable. However, retirees can reduce their levy statement by choosing wisely where they retire.

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The Motley Fool is a USA TODAY content associate offering financial information, analysis and commentary designed to assist people receive control of their financial lives. Its content is produced independently of USA TODAY.

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