Montana retirement income taxability checker

Estimate Montana retirement income taxability and exemptions.

No login required.

How this checker works

Step 1 totals your retirement income inputs for context.

Step 2 excludes railroad retirement and applies the working military retiree subtraction if you qualify, then adds any remaining taxable retirement income to your other income.

Step 3 summarizes the retirement income you entered and highlights other income that could still be taxable.

Frequently asked questions

Are IRA and 401(k) withdrawals taxable in Montana?

Yes. Montana taxes IRA and 401(k) withdrawals as ordinary income unless a specific subtraction applies.

Does Montana tax military retirement?

Montana offers a limited subtraction for working military retirees; eligibility depends on residency and earned income. Check Montana DOR guidance for details.

What about Social Security?

Montana taxes the federally taxable portion of Social Security benefits.

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Montana retirement taxability depends on benefit type and eligibility. Not legal or tax advice.

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