How do I know if my taxable income was zero or negative on my 2024 tax return?

Look at your 2024 federal tax return and find Form 1040, Line 15, for Taxable Income. If Line 15 is zero or negative, then usually your 2024 state tax refund is NOT taxable at all or is only partially taxable.

If your taxable income was zero or negative last year, then you may qualify to reduce the taxable amount of your 2024 state tax refund. Answer Yes and continue to the next screen to calculate if any of your 2024 refund is taxable.