Can you please clarify what you mean by “retirement income?” Your title leads me to believe you are asking about untaxed contributions to retirement accounts, rather than retirement income. If this is correct, I don’t believe they would be added into income. The reason I say this is because from the information on the state website, it appears that the information they use is NY state net taxable income. The information specifically says to include retirement income (pension & IRA distributions). I don’t see anything asking for untaxed contributions to a retirement account, though.