Retirement taxes by state
How Connecticut taxes retirement income in 2026
Connecticut's income tax rates run from 2% to 6.99%. Here's how Connecticut treats Social Security, retirement-account withdrawals, pensions and Roth conversions in 2026 — and what that means in dollars: a retired couple, both 67, with $98,000 of income pays about $200 in Connecticut income tax.
Updated October 2026 · 2026 tax year
Connecticut at a glance
- Income tax from 2% to 6.99%.
- Social Security is exempt with income up to $75,000 ($100,000 joint) — otherwise at most 25% of it is taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions) is fully exempt with income up to $75,000 ($100,000 joint), phasing out above.
Connecticut retirement tax questions
Does Connecticut tax Social Security?
Social Security is exempt with income up to $75,000 ($100,000 joint) — otherwise at most 25% of it is taxed.
Does Connecticut tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions) is fully exempt with income up to $75,000 ($100,000 joint), phasing out above.
Does Connecticut tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions) is fully exempt with income up to $75,000 ($100,000 joint), phasing out above.
Does Connecticut tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions) is fully exempt with income up to $75,000 ($100,000 joint), phasing out above.
What is Connecticut's income tax rate in 2026?
Connecticut's income tax rates run from 2% to 6.99%.
What retirees actually pay in Connecticut: three examples
Calculated with Retirology's tax engine under 2026 law, using each state's standard deduction, its retirement breaks and the 2026 federal rules for how much Social Security is taxable. For the retired couple, Connecticut ranks 30th lowest of the 50 states and DC.
| Household | Total income | Connecticut tax | Share |
|---|---|---|---|
| Retired couple, both 67 $48,000 of Social Security, $40,000 drawn from IRAs and 401(k)s, and $10,000 of qualified dividends | $98,000 | $200 | 0.2% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $0 | 0.0% |
| Early-retired couple, both 56, converting to Roth A $60,000 Roth conversion and $20,000 of long-term gains and qualified dividends, living on savings | $80,000 | $400 | 0.5% |
State income tax only — before local taxes, property tax relief and credits not listed above. Federal income tax is extra and the same in every state.
Connecticut income tax brackets (2026)
Rates apply to Connecticut taxable income, after the state's deductions and the retirement breaks above.
| Single | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $10,000 | 2% | Up to $20,000 | 2% |
| $10,000 – $50,000 | 4.5% | $20,000 – $100,000 | 4.5% |
| $50,000 – $100,000 | 5.5% | $100,000 – $200,000 | 5.5% |
| $100,000 – $200,000 | 6% | $200,000 – $400,000 | 6% |
| $200,000 – $250,000 | 6.5% | $400,000 – $500,000 | 6.5% |
| $250,000 – $500,000 | 6.9% | $500,000 – $1,000,000 | 6.9% |
| Over $500,000 | 6.99% | Over $1,000,000 | 6.99% |
Details and limits
Personal exemption (phased out by income) shown as the deduction. Pension, annuity and IRA income fully exempt under $75k AGI ($100k joint) from 2026, phasing out to $100k/$150k. The low-bracket and benefit-recapture phase-outs for high incomes aren't modelled.
Sources
Rates and rules for the 2026 tax year, from Retirology's state tax data (reviewed October 2026):
This page explains state tax rules in general terms. It isn't tax advice — check your state's official instructions or a tax professional for your situation.