According to Kiplinger's 2014 analysis of state taxes, retireescould find themselves paying state taxes on their Social Securityincome or laying it out for capital gains taxes, depending on wherethey live.

In addition, lots of states don't care where your retirementincome comes from; they'll expect you to pay them their share.

So, if you're looking for ways to cut expenses in retirement,you might want to stay away from the following 10 states, wheretaxes are definitely unkind to retirees.

1. RhodeIsland. The smallest state has the biggest tax billfor retirees. State income tax rates range from 3.75-5.99%, andthat's after it lowered its top tax rate from 9.9%. The state willalso treat your Social Security checks the same as the federalgovernment — taxing up to 85% of them. If you have a pension orother retirement income, don't get cocky; you'll be paying taxes onthat, too.

In addition, the Ocean State has a sales tax of 7% and the 11thhighest property taxes in the country, with Tax Foundation figuresputting the median property tax on its median home value of$267,100 at $3,618.

Little Rhody will also get you after your demise, with a tax onestates of more than $921,655 and a top estate tax rate of 16%.Good thing surviving spouses are exempt from it, but your kids andother kin won't be. The only good thing is that it doesn't have aninheritance tax as well.

2. Vermont. Bet youdidn't know that the “green” in Green Mountain State stoodfor all the money it will rake in at your (retired)expense.

State income tax rates range from 3.55-8.95%. Most retirementincome is taxed here, along with Social Security, just like inRhode Island.

The state sales tax is 6%, but before you get too excited, youmight want to remember that local municipalities can tack onanother percent. While food to be consumed at home, clothing,prescription and nonprescription drugs aren't taxed, preparedfoods, restaurant meals and lodging are taxed at 9%, and 10% if youjust have to have that glass of Merlot or pint of stout withdinner.

Vermont's property taxes are even higher than Rhode Island's,according to the Tax Foundation, the seventh highest in thecountry. If you have a median-priced home at $216,300, you'll pay amedian $3,444 a year for it. The town or municipality where youlive will collect both parts of your tax bill — school property taxand municipal property tax. There's also a state education tax onnonresidential and homestead property. And forget about getting asenior break on that bill. If your income is less than $99,000,though, you might qualify for a rebate on school and municipalproperty taxes, to a maximum of $8,000.

Estates of more than $2.75 million are taxed at a rate of up to16%. Surviving spouses are exempt, and there's no inheritancetax.

3.Connecticut. Military retirement pay is the onlyretirement income cut any kind of a break in the ConstitutionState, with half being exempt from taxes. Anything else, just forkit over. And Social Security? Single taxpayers with a federal AGIof more than $50,000 and married taxpayers filing jointly withfederal AGI of more than $60,000 will have to pay on a portion oftheir benefit checks.

State income tax ranges from 3-6.7% and the state sales tax is6.35%, but if you're into certain luxury items, you could be paying7% instead.

Real estate taxes here are the 10th highest in the country, andmedian tax on a median-valued home of $291,200 will set you back$4,738. Towns or taxing districts are the ones that assess thetaxes, and to catch a break you'll have to be part of a marriedcouple 65 or older with an income of $39,500 or less; then you'reeligible for a property tax credit of up to $1,250.

Estates valued at $2 million or more are taxed progressively;rates range from 7.2-12%. Surviving spouses are exempt, and thereis no inheritance tax.

4. Minnesota. Youmight almost as well call it the Land of 10,000 Taxes. Anotherstate that treats Social Security income the same way the federalgovernment does, Minnesota taxes pensions, too — not even themilitary catch a break here. Tax rates range from 5.35-9.85%, withthat last a new tax rate added in 2013 just for those whose taxableincome is more than $150,000 for single filers and more than$250,000 for joint filers.

State sales tax is 6.875%, with a few cities and counties addingtheir own on top. At least food, clothing and prescription andnonprescription drugs are exempt — but that's from the state salestax only.

Property taxes aren't quite so bad here, with a median-valuedhome of $200,400 being taxed at a median $2,098. Those whose taxesare high compared with income might be able to qualify for astate-paid refund, regardless of age.

While estates more than $1.2 million are taxed at a maximum rateof 16% (surviving spouses are exempt), the state's estate taxthreshold will increase by $200,000 annually until it hits $2million in 2018. There is no inheritance tax. In addition, whilethe state had passed a gift tax in 2013, it was repealed in Marchafter having been in effect for less than a year.

5.Oregon. One of the highest income tax rates in thecountry could keep you beavering away at looking for deductions orloopholes. Income is taxed at 5-9.9% (that last rate for taxableincome of $125,000, $250,000 for married couples filing jointly).Social Security benefits aren't taxes here, but most otherretirement income is, and then there's the combined federal andstate capital gains tax — at 31%, the third-highest in thecountry.

Fortunately, there's no sales tax. And, to be fair, Oregonallows residents to subtract their current year's federal taxliability, after credits, up to $6,250, depending on income andfiling status. And there's a retirement-income credit for seniors,subject to certain income restrictions.

Counties in Oregon set property tax rates, and on a median homeof $257,400, the median tax rate is $2,241. Homeowners 62 or olderwith income up to $42,000 in 2014 can defer property taxes, but notavoid them. When they sell, no longer live there permanently ordie, those taxes will come due.

The estate tax is on estates of more than $1 million, with a toptax rate of 16%. Surviving spouses or registered domestic partnersare exempt. There is no inheritance tax.

6.Montana. There's no sales tax here, no estate tax andno inheritance tax. But before you pack and call the mover, youshould know that you'll be paying taxes on most of your retirementincome. The state income tax rates range from 1.0-6.9%, and thattop rate kicks in on taxable income of — are you ready for this? –$16,700. There's a pension and annuity income exemption of up to$3,900 per person, with some limitations, and those 65 or older canexclude up to $1,600 of interest income from state taxes.

Tourist taxes are heavy, though. What, you're not a tourist? Toobad — you'll still be paying a 3% tax on campgrounds andaccommodations, a 4% tax on rental vehicles, and maybe a localsales tax of 3%, imposed by the local community, if the communityis tourism-dependent.

Median-valued homes of $176,300 will be taxed at a median rateof $1,465. Homeowners and renters 62 or older do get one smallperk: They can be eligible for a refundable income tax credit worthup to $1,000 if they've lived in the state for nine months,occupied a residence for six months and have a gross householdincome of less than $45,000.

7.California. While it's not surprising California ison this list, what is surprising is that it's not at the top of thelist. Somebody's got to pay for all that sunshine. Social Securitybenefits are exempt from state income tax (rates range from1.0-13.3%), but no other retirement pay is. In fact, retirees whotake money from their retirement plans before they hit59½ get socked with a 2.5% penalty on top of the IRS'scustomary 10%.

California's income taxes are the highest in the U.S. That 13.3%rate kicks in on income of more than $1 million for singles and forcouples filing jointly. Capital gains will cost you, too; accordingto the Tax Foundation, wealthy investors can end up paying up to33% on combined stare and federal taxes.

State sales tax is 7.5%, with cities and counties adding more ontop — in some places up to a total of 10%. Food and prescriptiondrugs are exempt.

Median property tax on a $384,200 median-priced home is $2,839,since while property is assessed at 100% of market value, taxes arecapped at 1% of assessed value. And under the state's homesteadprogram, the first $7,000 of the full value of the home is exempt.Retirees, forget about property tax breaks. But at least there areno estate taxes or inheritance taxes.

8.Nebraska. While Social Security benefits arecurrently taxed the same way as the federal government does it,that will start to change next year. Married couples with an AGI of$58,000 or less and singles with an AGI of $43,000 won't have topay. In addition, the state lowered its income tax range in 2013,to 2.46-6.84% on income of more than $29,000 for singles, $58,000for married couples, and tax bracket thresholds changed a bit forthe better as well.

Starting in 2015, military retirees will catch a break, too.Within two years of retirement from the military, they'll be ableto make a one-time election either to exclude 40% of militaryretirement benefit income for seven consecutive taxable years, or15% for all taxable years beginning the year the retiree turns67.

Sales tax is 5.5%. Real estate is assessed at 100% of marketvalue, but agricultural land is assessed at 75%. A median-valuedhome at $123,300 will bring median property taxes of $2,164, whichthe Tax Foundation says is the sixth highest property tax rate inthe country. Seniors over 65 earning less than $26,900 ($31,600 formarried couples) are eligible for an exemption of $40,000 or 100%of the county's average assessed value on single-family residentialproperties, whichever is greater.

There's no estate tax, but inheritance tax ranges from 1–18%,depending on the relationship of the heir. Charities and spousesare exempt.

9. New Jersey. TheGarden State grows taxes, depending on where you live. The TaxFoundation says it's very good at it, too, with the highest stateand local property taxes in the country. So retirees,beware.

The good news is that while state income tax ranges from1.4-8.97%, Social Security benefits and military retirement payaren't taxed. And for those 62 or older with gross income of$100,000 or less, up to $15,000 ($20,000 if married filing jointly)of retirement income from such sources as IRAs, pensions andannuities can be excluded.

Sales tax is 7%. And median property tax on a median $348,300house will cost you a whopping $6,579. If you make it to 65 orolder, and you've lived in the state for at least 10years and satisfy income requirements, you'll beeligible for reimbursement of property tax increases.

Oh, and on your way out, don't forget to pay the estatetaxes and the inheritance taxes. Close kin aregenerally exempt from the inheritance tax, but anybody else willget socked for between 11-16% on inheritances of $500 or more.Estates worth more than $675,000 could be in for taxes of up to16%. Spouses and civil union partners are exempt.

10. New York. WhileNew York doesn't tax Social Security benefits or public pensions,and allows an exemption of $20,000 for private pensions,out-of-state pensions, and IRA and Keogh plan distributions, itwill get you on nonretirement income. State income tax rates rangefrom 4.0-8.82%, but on capital gains it's 31.5% — second-highestafter California.

Food, prescription and nonprescription drugs, green fees, healthclub memberships, and most arts and entertainment tickets areexempt from the state sales tax of 4%, but local taxes can addanywhere from 3-4.75% to your receipt.

Real estate is taxed locally. There's a cap of 2% or the rate ofinflation, whichever is lower, on how much localities can collect.A median home of $306,000 will be taxed a median of $3,755, butseniors 65 and up with income at or below $81,900 are eligible toexempt up to $63,300 of their homes' value from school propertytaxes.

There's no inheritance tax, and New York lowered the estate taxbill a bit by increasing the exemption to $2,062,500 in 2014 (itwas “only” $1 million in 2013). It will continue to increasegradually until it meets the federal exemption, which is currently$5.34 million. Spouses are exempt.