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Calculate WV & West Virginia state tax liability on retirement income and pensions

WV Pension & Social Security Tax Calculator – West Virginia Senior Exemption

Calculate WV and West Virginia state income tax on pension, 401(k), and Social Security benefits, including the 100% state exemption on Social Security (HB 2026) and military retirement exclusion.

Best forWest Virginia (WV) retirees, pension recipients, military veterans, and seniors planning retirement cash flow.
Tax year2026 West Virginia withholding
Calculator setupEnter your monthly pension or IRA distribution to calculate state tax liability under West Virginia senior exemptions.

Does West Virginia (WV) tax Social Security benefits in 2026?

Under House Bill 2026, West Virginia has completely phased out state income tax on Social Security benefits for all single and joint filers, making 100% of Social Security benefits exempt from WV personal income tax. Additionally, military retirement pensions are 100% exempt, and public safety retirees qualify for up to $8,000 in exclusions under W. Va. Code § 11-21-12.

$40,000 pension distribution in West Virginia$40,000
Federal income tax$2,620
West Virginia state tax (SB 392)$1,043
FICA (Social Security + Medicare)$3,060
Take-home (before local fee)$33,277
Per month · per week$2,773 · $639.94

Calculate WV Pension & Social Security

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West Virginia · 2026 tax year · salaried or hourly

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How is WV Pension & Social Security calculated in 2026?

West Virginia (WV) provides a 100% personal income tax exemption for Social Security benefits (HB 2026).

Military retirement pay is 100% exempt from West Virginia personal income tax.

Up to $2,000 per person ($4,000 for married couples) of civil service or CPRB state pension is excluded in WV.

Taxpayers aged 65 and older qualify for an additional $8,000 state income tax deduction against taxable retirement income in West Virginia.

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How to work out WV Pension & Social Security, step by step

1Enter your gross monthly or annual pension/IRA distribution.

2Deduct the $8,000 senior modification or 100% military exemption.

3Calculate your reduced state tax under 2026 progressive WV brackets (2.11%–4.58%).

Common questions about WV Pension & Social Security

How is military retirement taxed in West Virginia (WV)?

Military retirement pay received from the United States Armed Forces is 100% exempt from West Virginia personal income tax.

Do retirees in West Virginia pay municipal City Service Fees?

No. WV City Service Fees only apply to active employees earning earned wages within municipal boundaries. Pension distributions, Social Security, and investment returns are completely exempt.