IRA Creditor Protection by State, 14 States Verified, 2026

State-law exemption provisions protecting individual retirement accounts from ordinary judgment creditors, compiled from each state's own official legislature or constitution website. Coverage is 14 of 51 jurisdictions; the remainder are omitted rather than estimated. Every row is tagged to the non-bankruptcy regime, because state exemption law and the federal Bankruptcy Code are separate systems that can reach opposite answers on the same asset. Each cell carries a per-cell confidence grade and its statutory citation. Federal indexed dollar caps are deliberately excluded because their current values could not be confirmed against the official notice. Not legal advice.