Does Utah tax pensions and retirement income?
Taxed, with narrow exceptions
Yes. Utah taxes pensions and offers a retirement credit of up to $450 for people born on or before December 31, 1952, which shrinks with income.
In the state's own words
Copied word for word from the official document linked below each quote:
“(18) Retirement Credit (UCA §59-10-1019) If you (and/or your spouse, if filing jointly) were born on or before Dec. 31, 1952, you may take a retirement credit of up to $450.”
And Social Security?
Yes, but with a credit. Utah taxes Social Security, then gives a Social Security Benefits Credit that shrinks as income rises. The Utah Social Security page quotes the rule.
Federal tax still applies
Whatever Utah does, pensions, annuities and traditional IRA or 401(k) withdrawals are generally taxable on your federal return. See the federal tax brackets and, if you are 73 or older, the required minimum distribution calculator.
State rules change, and the details (age limits, income limits, which plans qualify) matter. Check with the Utah State Tax Commission before you file or move.
Other states in the same group
Check our work
The answer above comes from this document. Follow the link and compare.
- 2025 TC-40 Individual Income Tax InstructionsUtah State Tax Commission. Read on November 12, 2026.