Retirement taxes by state
How Wisconsin taxes retirement income in 2026
Wisconsin's income tax rates run from 3.5% to 7.65%. Here's how Wisconsin 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 Wisconsin income tax.
Updated October 2026 · 2026 tax year
Wisconsin at a glance
- Income tax from 3.5% to 7.65%.
- Social Security isn't taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $24,000 per person excluded from age 67.
- Extra $250 deduction per person from age 65.
- 30% of capital gains is excluded.
Wisconsin retirement tax questions
Does Wisconsin tax Social Security?
No. Social Security isn't taxed.
Does Wisconsin tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $24,000 per person excluded from age 67. Also: extra $250 deduction per person from age 65.
Does Wisconsin tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $24,000 per person excluded from age 67.
Does Wisconsin tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $24,000 per person excluded from age 67. Anything above that is taxed like other income.
What is Wisconsin's income tax rate in 2026?
Wisconsin's income tax rates run from 3.5% to 7.65%.
What retirees actually pay in Wisconsin: 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 Wisconsin — one of 24 states (counting DC) where they'd pay $0.
| Household | Total income | Wisconsin 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 | $216 | 0.3% |
| 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 | $2,320 | 2.9% |
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.
Wisconsin income tax brackets (2026)
Rates apply to Wisconsin 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 $15,110 | 3.5% | Up to $20,150 | 3.5% |
| $15,110 – $51,950 | 4.4% | $20,150 – $69,260 | 4.4% |
| $51,950 – $332,720 | 5.3% | $69,260 – $443,630 | 5.3% |
| Over $332,720 | 7.65% | Over $443,630 | 7.65% |
Details and limits
$24,000 per person 67+ retirement subtraction (2025 Act 15). The sliding standard deduction is linear between its 2025 thresholds. 30% of capital gains excluded.
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.