🛠️ Interactive Tool · Plootus 2026

State Retirement Comparison Tool

Pick any two states and instantly see the full cost comparison — annual expenses, taxes, minimum savings required, and how much you'd save over 25 years by choosing the right state.

State A

State B

Annual Spending Need ($)

Annual SS Income ($)

Retirement Length (Years): 25

📅

$25,951/yr

Florida is $25,951 cheaper per year

💰

$649K

By choosing Florida over 25 years

🏦

$649K

Less savings needed in Florida

Florida wins overall affordability

Based on your $60,000/year spending target, retirement in New York costs approximately $85,121/year while Florida costs $59,170/year — a gap of $25,951 annually. Over a 25-year retirement, choosing Florida saves approximately $649K in total living costs. The required nest egg in New York is $1.51M vs. $857K in Florida. New York has better healthcare access (#12 vs. #27 nationally). Florida has a lower income tax burden.

MetricNew YorkFlorida

Adj. Annual Cost (your budget)

$85,121/yr

$59,170/yr

Min. Savings Required (4% rule)

$1.51M

$857K

State Income Tax

10.9% max

None

Taxes Social Security?

✅ No

Property Tax Rate

1.62%

0.83%

Overall Tax Grade

A+

Healthcare Rank (national)

#12/50 — Very Good

#27/50 — Average

Quality of Life Rank

#12/50

#1/50

Annual Cost Difference

$25,951/year

—

Lifetime Advantage (25yr)

—

$649K saved

📊 Annual Retirement Cost Comparison

🏦 Required Savings to Retire

💡 The Lifetime Financial Impact — Moving from the pricier state to the affordable one over a 25-year retirement

$25,951Annual savings in living costs

$649KSavings needed reduction (4% rule)

$6,540Est. annual income tax savings

$1.30M25-year total advantage

See how this affects your actual retirement plan

This tool shows the state-level numbers. Plootus connects to your real accounts and shows your personalized retirement readiness — adjusted for whichever state you choose.

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Disclaimer: Plootus (an SEC-registered investment advisor) may receive compensation for referrals to third-party products and services, listed on our Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.

State Retirement Comparison Tool

📊 Annual Retirement Cost Comparison

🏦 Required Savings to Retire

See how this affects your actual retirement plan

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