North Carolina retirement income taxability checker
Estimate North Carolina retirement income tax impact using current rules and exclusions.
How this checker works
Step 1 totals your retirement income inputs for context.
Step 2 applies the Bailey exclusion (if eligible) and removes Social Security from taxable 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 North Carolina?
Yes. North Carolina taxes IRA and 401(k) withdrawals as ordinary income unless a specific subtraction applies.
Does North Carolina exempt any retirement income?
North Carolina taxes most retirement income as ordinary income, but the Bailey settlement allows qualifying vested government retirement benefits to be excluded.
What about Social Security?
North Carolina does not tax Social Security benefits.
Related tools
North Carolina retirement taxability depends on benefit type and eligibility. Not legal or tax advice.