MISSOURI RETIREMENT INCOME TAX · TAX YEAR 2026
Does Missouri tax Social Security and retirement income?
Missouri does not tax Social Security benefits. Missouri exempts military retirement and public pensions up to $48,967, and up to $6,000 per person of private pension and IRA income, reduced above $25,000 of income ($32,000 joint). A single 67-year-old with $24,000 of Social Security, a $20,000 private pension and $10,000 of IRA withdrawals pays $308 in Missouri income tax for 2026.
Your estimate
- Missouri income tax
- $308.19
- Federal income tax
- $1,810.00
- Total income tax
- $2,118.19
Subtracted from Missouri income
- Social Security
- $11,300.00
- Private pension exemption
- $1,000.00
- Additional standard deduction (65+)
- $2,050.00
Social Security disability before 62 is not modeled.
Missouri tax at different retirement incomes
Missouri income tax for 2026 on a single 67-year-old with $24,000 of Social Security, and on a married couple, both 67, with $20,000 each. Half the pension and IRA income is a private pension and half IRA withdrawals, all received by one spouse in the couple.
| Pension and IRA income | Single | Married |
|---|---|---|
| $20,000 | $0 | $0 |
| $40,000 | $818 | $69 |
| $60,000 | $1,736 | $935 |
| $100,000 | $3,628 | $2,851 |
| $150,000 | $6,016 | $5,201 |
Does Missouri tax Social Security?
No. Missouri subtracts all taxable Social Security benefits for taxpayers 62 or older, and Social Security disability benefits at any age.
Of the single 67-year-old's $24,000 in benefits, $11,300 is federally taxable and Missouri taxes none of it. Of the couple's $40,000, $28,100 is federally taxable and Missouri taxes none of it.
Does Missouri tax pensions?
Partly. Federal, state and local government pensions are exempt up to $48,967 per person for 2026, the maximum Social Security benefit, less that person's Social Security subtraction. Military retirement is exempt in full. Private pensions share an exemption of up to $6,000 per person with IRA income, reduced dollar for dollar by income, not counting taxable Social Security, above $25,000 for single filers, $32,000 for joint filers or $16,000 for married couples filing separately.
State tax for a single 67-year-old with $24,000 of Social Security, a $20,000 pension of each type and $10,000 of IRA withdrawals. Excluded is the part of the pension Missouri exempts.
| Pension | Excluded | State tax |
|---|---|---|
| Private | $0 | $308 |
| Missouri government | $15,000 | $0 |
| Federal civil service | $15,000 | $0 |
| Military | $20,000 | $0 |
Does Missouri tax IRA and 401(k) withdrawals?
Partly. IRA and 401(k) withdrawals share the $6,000 private pension exemption, with the same income limits. Qualified Roth IRA withdrawals are not taxed.
With $24,000 of Social Security, $20,000 of IRA withdrawals and no other income, a single 67-year-old pays no Missouri income tax for 2026.
At what age do retirement tax breaks start in Missouri?
At 62, for the Social Security subtraction. At 65, Missouri's standard deduction includes the federal extra amount for each person 65 or older. The pension exemptions have no age requirement.
State tax at each age where the rules change. The single filer has $24,000 of Social Security, a $20,000 private pension and $10,000 of IRA withdrawals; the couple, both that age, has $20,000 of Social Security each and a $30,000 pension and $20,000 of IRA withdrawals.
| Age | Single | Married |
|---|---|---|
| 61 | $924 | $1,941 |
| 62Social Security | $393 | $621 |
| 65Additional standard deduction (65+) | $308 | $479 |
What the calculator leaves out
Social Security disability before 62 is not modeled.
- The private pension test uses Missouri AGI less taxable Social Security, as on Form MO-A Part 3 Section B.
The calculator uses Missouri rules from the 2025 forms and instructions, the latest published.
Federal tax uses the 2026 brackets, the standard deduction with the extra amount at 65, and the $6,000 senior deduction. Estimates assume no other deductions, credits or local taxes except as noted.