Retirement Withdrawal Calculator for Ohio

Retirement distributions in Ohio are generally subject to the flat 2.75% state income tax, though some states exempt Social Security or a portion of pension income. Traditional IRA and 401(k) withdrawals are taxed as ordinary income at both the federal and Ohio state level. Certain Ohio localities also tax retirement income. Understanding the combined federal and state tax on withdrawals is essential for retirement planning. This calculator models your after-tax income from retirement accounts with Ohio's specific rates applied.

Ohio levies a flat 2.75% state income tax on all taxable income regardless of how much you earn. This makes tax planning straightforward: for every additional dollar you earn, 2.75 cents goes to Ohio. However, certain localities in Ohio impose their own income taxes, which effectively raise the combined state and local rate above 2.75%. Be sure to check whether your city or county adds a local income tax.

The table below shows what you actually keep at five salary levels in Ohio, accounting for federal tax, FICA, and Ohio's flat 2.75% state tax plus estimated local taxes.

See how Ohio compares to other Midwest states. Each link takes you to the retirement withdrawal calculator landing page for that state.

For a comprehensive breakdown of Ohio’s tax structure, salary comparisons, cost-of-living analysis, and more, visit the full Ohio take-home pay page.