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Free Tool · IRS Worksheet

How much of your Social Security is taxed?

Anywhere from none to 85% of your benefits can be taxable, depending on your other income. The thresholds have not moved since 1993.

IRS Publication 915 method0%, 50%, or 85%Tax torpedo check

Your numbers

Annual figures for the household.

Filing status
Of your Social Security is taxable 0%

—
  • Other income$0
  • Tax-exempt interest$0
  • Half of Social Security$0
  • Combined incomeWhat the IRS tests against the thresholds.$0
  • Thresholds for your filing status$0
  • Taxable Social Security$0
!The 2025 tax law did not end tax on Social Security. It added a temporary $6,000 deduction for each filer 65 and older, through 2028. That lowers taxable income in general, but the share of benefits that is taxable is still figured exactly as shown here.

Which account you draw from changes this number.

Roth withdrawals and most cash value life insurance access do not count toward combined income. IRA withdrawals do. Sequencing withdrawals with that in mind can keep more of your Social Security out of tax entirely.

Plan my withdrawal order Take the Financial House Assessment

Assumptions and limits. Follows IRS Publication 915, Worksheet 1. Base amounts of $25,000 (single, head of household, and married filing separately living apart all year) and $32,000 (married filing jointly); 85% tier above $34,000 and $44,000; for married filing separately living together, up to 85% of benefits is taxable from the first dollar. These thresholds are set in statute and are not indexed for inflation. Other income stands in for the adjusted gross income items the worksheet uses; adjustments such as IRA deductions, foreign income exclusions, and adoption benefits are not modeled. Calculates the taxable amount of benefits, not the tax owed on it. This tool is general education, not tax advice.