How Much of My Social Security Benefit May Be Taxed?

Calculate how much of your social security benefits may be subject to federal income tax based on your provisional income.

Income Information

Tax Results

Enter your income information and click calculate to see results

Social Security Tax Rules

  • • Provisional Income: Other Income + 50% of Social Security + Tax-Exempt Interest
  • • Single: 0% if under $25,000, 50% if $25,000-$34,000, 85% if over $34,000
  • • Married Joint: 0% if under $32,000, 50% if $32,000-$44,000, 85% if over $44,000
  • • Married Separate: 85% if over $0 (if living together)

Frequently Asked Questions

What is provisional income?

Provisional income is your adjusted gross income plus tax-exempt interest plus 50% of your social security benefits.

Can I reduce my social security tax?

Yes, by reducing your other income, converting traditional IRA to Roth IRA, or timing withdrawals to stay below thresholds.

Are social security benefits always taxed?

No, if your provisional income is below the threshold for your filing status, your social security benefits are not taxed.