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Social Security taxable benefits calculator

Prints all 19 lines of the IRS worksheet with your numbers and shows the marginal rate on your next dollar, including the tax torpedo zone where one extra dollar can make 85 cents of benefits taxable.

In short

Up to 85% of Social Security benefits can be taxable, but never all of them. The IRS adds half your benefits to your other income and tax-exempt interest, then compares the total with $25,000 for single filers or $32,000 for joint filers. Above those base amounts, first up to 50% and then up to 85% of benefits become taxable.

  • IRS Pub. 915 worksheet
  • All 19 lines shown
  • Worksheet
  • Chart
  • Runs in your browser

Private by design. Nothing you type is uploaded or saved. Add this tool to your phone or computer for one-tap access.

Your benefits and filing status

Box 5 of Form SSA-1099. On a joint return, add both spouses.

Other income

Wages, taxable interest, dividends, IRA and pension income, capital gains: Form 1040 lines 1z, 2b, 3b, 4b, 5b, 7a and 8 together.

Form 1040 line 2a.

Schedule 1 lines 11 to 20, 23 and 25.

Forms 8839, 2555 and 4563, and Puerto Rico income.

Shows the effective rate on your next dollar of income.

Enter your total benefits to run the worksheet.

A federal estimate. It follows IRS Publication 915 Worksheet 1 and stops at Form 1040 line 6b. Lump-sum payments for earlier years, repayments larger than benefits, state tax and withholding are not covered. Your tax return decides the actual figure.

Social Security worksheet
IRS Publication 915 · Worksheet 1
Taxable
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Enter your total benefits to run the worksheet.

A federal estimate following IRS Publication 915 (2025) Worksheet 1, worked out from the figures entered. Not tax advice; your tax return decides.

How to use it

  1. Enter your total benefits from box 5 of Form SSA-1099, adding both spouses on a joint return.
  2. Choose your filing status. Married filing separately and living with your spouse has a base amount of zero.
  3. Enter your other income, and optionally tax-exempt interest, adjustments and exclusions.
  4. Optionally choose your tax bracket to see the effective rate on your next dollar of income.
  5. Read the worksheet and the chart on the right, then copy the summary or download an image.

How it calculates

Half your benefits is added to your other income and tax-exempt interest, less adjustments, to give combined income. The first tier counts half of the excess over the base amount (up to $9,000, or $12,000 joint) and the second counts 85% of the rest, capped at 85% of your benefits. The base amounts are fixed in the tax code and are not indexed to inflation.

For example, a single retiree with $24,000 of benefits and $30,000 of other income has combined income of $42,000, which is $17,000 over the $25,000 base amount. The first $9,000 counts at 50%, $4,500, and the remaining $8,000 counts at 85%, $6,800, so $11,300 of the benefits, 47.1%, is taxable. The figures are made up; yours come from what you type.

Who should use it

  • Retirees who want to know how much of their benefits will be taxed before they file
  • People deciding how much to take from an IRA or whether to do a Roth conversion in the same year
  • Anyone who wants to see the IRS worksheet filled in line by line

Who should not use this

  • Anyone who received a lump-sum payment covering earlier years; Publication 915 has extra worksheets this tool does not run
  • Anyone whose repayments of benefits (box 4) are more than their gross benefits (box 3), in which case none are taxable
  • Anyone who needs state tax; this is a federal estimate only

Limitations

  • It stops at Form 1040 line 6b. It does not compute your total tax, the standard deduction or credits.
  • If you file Form 8815, line 3 of the worksheet uses a different figure from Schedule B line 2.
  • It does not calculate withholding. The SSA can withhold federal tax from your benefits if you file Form W-4V.
  • The thresholds are set in the tax code and not indexed, but check the current Publication 915 each January.
  • Nothing is uploaded or stored on a server. Clearing your browser data also removes the saved profile.

Sources and review

Reviewed on 18 Oct 2026 against the published sources below. Rules and prices change, so check the current position before you rely on a figure.

Common questions

How do I calculate how much of my Social Security benefit is taxable?
Add half of your annual benefits to your other income and any tax-exempt interest. Compare the total with $25,000 for single filers or $32,000 for joint filers. Above that, up to 50% of benefits become taxable, and above $34,000 or $44,000 up to 85%. IRS Publication 915 Worksheet 1 does this in 19 lines.
Is Social Security taxable in 2026?
Yes, if your combined income is above the base amount for your filing status. The base amounts of $25,000 (single) and $32,000 (joint) are set in the tax code and do not change with inflation.
At what income is Social Security not taxed?
When half your benefits plus all your other income and tax-exempt interest is $25,000 or less for a single filer, or $32,000 or less for a joint return, none of your benefits is taxable. Adjustments to income can lower the figure.
Do I pay tax on 85% of my Social Security?
No. At most 85% of your benefits can be included in taxable income, and that amount is taxed at your normal bracket. Many people have a lower percentage, and some have none.
What is the Social Security tax torpedo?
It is the stretch of income where each extra dollar also makes more of your benefits taxable. In the 85% tier an additional dollar of income adds $1.85 to taxable income, so a 12% bracket behaves like 22.2%. It ends when 85% of your benefits are already taxable.
Which form shows my taxable Social Security?
Form SSA-1099 shows your total benefits in box 5. You report that figure on Form 1040 line 6a, and the taxable amount from the worksheet goes on line 6b.
Does tax-exempt interest count?
Yes. Municipal bond interest is not taxed, but it is added to your income when the IRS checks whether your benefits are taxable. It goes on line 4 of the worksheet.

Guides that explain the rules

How Social Security becomes taxable

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This tool produces a document from the information you type. It does not give legal, tax or accounting advice, and it does not check that your figures or rates are right. See the disclaimer. Found a mistake? Report an error in a calculation.