How much of my Social Security is taxable?

Between 0% and 85%, depending on your combined income (AGI excluding Social Security, plus tax-exempt interest, plus half your benefits). Below the lower base none is taxable; above the upper base up to 85% is taxable.

What are the Social Security taxation income thresholds?

Single: $25,000 and $34,000. Married filing jointly: $32,000 and $44,000. These base amounts are set by law and are not adjusted for inflation.

Is Social Security ever 100% taxable?

No. At most 85% of your Social Security benefits can be subject to federal income tax.

Social Security Tax Calculator

How much of your Social Security is taxable? Enter your numbers to see the taxable portion (0%, up to 50%, or up to 85%) using the IRS combined-income formula.

Filing status

Annual Social Security benefits

Other income (AGI excluding Social Security)

Pensions, IRA/401(k) withdrawals, wages, dividends, capital gains, etc.

Tax-exempt interest (e.g. muni bonds)

How Social Security taxation works

The IRS uses your combined income (also called provisional income):

AGI (excluding SS) + tax-exempt interest + ½ of your Social Security

Below the lower base ($25k single / $32k joint): none of your benefits are taxed.
Between the two bases: up to 50% becomes taxable.
Above the upper base ($34k single / $44k joint): up to 85% becomes taxable.

Unlike tax brackets, these base amounts are fixed by law and never adjusted for inflation — so more retirees cross them every year.

FAQ

Does my state tax Social Security too?

This tool covers federal tax only. Most states don’t tax Social Security, but a few do — check your state rules.

What counts in “other income”?

Your adjusted gross income excluding Social Security: pensions, traditional IRA/401(k) withdrawals, wages, interest, dividends, capital gains, etc.

Why did more of my benefits become taxable this year?

Because the thresholds aren’t inflation-adjusted. As your other income (like RMDs) rises, your combined income crosses the bases and more of your benefit is taxed.

Related calculators

Your income also drives Medicare premiums and inherited-account withdrawals:

General estimate of federal Social Security taxation under IRC §86. Not tax advice; excludes state taxes and edge cases (e.g., lump-sum elections). Verify with IRS Publication 915 or a tax professional.