How to Calculate Taxable Social Security Benefits

The IRS determines if your Social Security benefits are taxable based on your Combined Income. Combined Income is calculated by adding your Adjusted Gross Income (AGI), Nontaxable Interest, and half (50%) of your Social Security benefits.

• Single Filers: If Combined Income is between $25,000 and $34,000, up to 50% of benefits are taxable. Over $34,000, up to 85% may be taxable.
• Married Filing Jointly: If Combined Income is between $32,000 and $44,000, up to 50% is taxable. Over $44,000, up to 85% may be taxable.

Disclaimer: This tool provides an estimate for informational purposes and should not replace professional tax advice.