OKLAHOMA RETIREMENT INCOME TAX · TAX YEAR 2026
Does Oklahoma tax Social Security and retirement income?
Oklahoma does not tax Social Security benefits. Oklahoma excludes up to $10,000 per person of pension and IRA income, at any age, and exempts military retirement pay. A single 67-year-old with $24,000 of Social Security, a $20,000 private pension and $10,000 of IRA withdrawals pays $355 in Oklahoma income tax for 2026.
Your estimate
- Oklahoma income tax
- $354.50
- Federal income tax
- $1,810.00
- Total income tax
- $2,164.50
Subtracted from Oklahoma income
- Social Security
- $11,300.00
- Retirement income exclusion
- $10,000.00
The federal CSRS annuity paid in lieu of Social Security (fully excluded) is not modeled.
Oklahoma tax at different retirement incomes
Oklahoma 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 | $805 | $259 |
| $60,000 | $1,705 | $1,159 |
| $100,000 | $3,505 | $2,959 |
| $150,000 | $5,755 | $5,209 |
Does Oklahoma tax Social Security?
No. Oklahoma subtracts Social Security benefits included in federal AGI.
Of the single 67-year-old's $24,000 in benefits, $11,300 is federally taxable and Oklahoma taxes none of it. Of the couple's $40,000, $28,100 is federally taxable and Oklahoma taxes none of it.
Does Oklahoma tax pensions?
Partly. Government and private pensions share one exclusion of up to $10,000 per person, with no age or income limit, and a spouse's unused amount cannot be transferred. Military retirement pay is exempt in full, as are federal civil service (CSRS) benefits paid in place of Social Security, which the calculator does not model. Income above the exclusion is taxed at the regular rates.
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 Oklahoma exempts.
| Pension | Excluded | State tax |
|---|---|---|
| Private | $0 | $355 |
| Oklahoma government | $0 | $355 |
| Federal civil service | $0 | $355 |
| Military | $20,000 | $0 |
Does Oklahoma tax IRA and 401(k) withdrawals?
Partly. IRA and 401(k), 403(b) and 457 withdrawals share the same $10,000 exclusion with pensions, after any government pension has used it. 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 Oklahoma income tax for 2026.
At what age do retirement tax breaks start in Oklahoma?
At 65, for an extra $1,000 exemption for each person 65 or older, only when federal AGI is $15,000 or less ($25,000 joint, $19,000 head of household, $12,500 separate). The $10,000 retirement exclusion has no age requirement.
What the calculator leaves out
The federal CSRS annuity paid in lieu of Social Security (fully excluded) is not modeled.
The calculator uses Oklahoma 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.