Social Security Tax Calculator
Find out how much of your Social Security benefits are taxable. Up to 85% of your benefits may be subject to federal income tax depending on your combined income and filing status.
Taxable Social Security
$11,300
47.1% of your benefits are taxable (85% tier)
| Detail | Amount |
|---|---|
| Combined Income | $42,000 |
| Lower Threshold | $25,000 |
| Upper Threshold | $34,000 |
| Taxable Amount | $11,300 |
| Tax-Free Amount | $12,700 |
Taxable SS Benefits
$11,300Tax-Free SS Benefits
$12,700Taxation Tier
85%Combined income = adjusted gross income + nontaxable interest + half of Social Security benefits. Up to 85% of benefits may be taxable depending on your combined income and filing status.
Frequently Asked Questions
How is Social Security taxed?
The IRS uses your "combined income" (AGI + nontaxable interest + half of SS benefits) to determine taxation. For single filers: below $25,000 = 0% taxable; $25,000-$34,000 = up to 50% taxable; above $34,000 = up to 85% taxable. For MFJ: below $32,000 = 0%; $32,000-$44,000 = up to 50%; above $44,000 = up to 85%.
What is combined income?
Combined income (also called provisional income) is your adjusted gross income (AGI) plus nontaxable interest plus one-half of your Social Security benefits.
Can I reduce taxes on Social Security?
Strategies include managing withdrawals from tax-deferred accounts, converting to Roth IRAs before claiming Social Security, managing investment income timing, and choosing tax-exempt bonds.
Do states tax Social Security?
Most states do not tax Social Security benefits. However, a handful of states (including Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia) may tax some portion of benefits.