Retirement taxes by state
How Maine taxes retirement income in 2026
Maine's income tax rates run from 5.8% to 9.15%. Here's how Maine 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 nothing in Maine income tax.
Updated October 2026 · 2026 tax year
Maine at a glance
- Income tax from 5.8% to 9.15%.
- Social Security isn't taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $49,824 per person excluded, less Social Security.
- Extra $2,050 ($1,650 if married) deduction per person from age 65.
Maine retirement tax questions
Does Maine tax Social Security?
No. Social Security isn't taxed.
Does Maine tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $49,824 per person excluded, less Social Security. Also: extra $2,050 ($1,650 if married) deduction per person from age 65.
Does Maine tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $49,824 per person excluded, less Social Security.
Does Maine tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $49,824 per person excluded, less Social Security. Anything above that is taxed like other income.
What is Maine's income tax rate in 2026?
Maine's income tax rates run from 5.8% to 9.15%.
What retirees actually pay in Maine: 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. That couple would owe nothing in Maine — one of 24 states (counting DC) where they'd pay $0.
| Household | Total income | Maine 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 | $0 | 0.0% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $260 | 0.4% |
| 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 | $0 | 0.0% |
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.
Maine income tax brackets (2026)
Rates apply to Maine taxable income, after the state's deductions and the retirement breaks above. Brackets are adjusted for inflation each year.
| Single | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $27,399 | 5.8% | Up to $54,849 | 5.8% |
| $27,399 – $64,849 | 6.75% | $54,849 – $129,749 | 6.75% |
| $64,849 – $1,000,000 | 7.15% | $129,749 – $1,500,000 | 7.15% |
| Over $1,000,000 | 9.15% | Over $1,500,000 | 9.15% |
Details and limits
Includes the 2% surcharge over $1M ($1.5M joint) from 2026. Pension deduction is the 2026 maximum Social Security benefit, less the person's Social Security; its high-income phase-out and the standard-deduction phase-out 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.