Colorado
4.40% top rateAge-Based Exemption
100% tax-exempt at age 65+ (no cap). Ages 55–64 exempt if AGI is ≤ $75k ($95k joint), with a max $20,000 deduction above that.
View Colorado 2026 Rules →Determines IRS Combined Income phaseout brackets.
Form SSA-1099 Box 5
$
Total gross benefits received before deductions.
Pensions, 401(k), Wages
$
Adjusted Gross Income excluding Social Security benefits.
e.g., Municipal Bonds
$
Tax-exempt interest must be added back by IRS law.
✓
Estimated Taxable Social Security
$0.00
subject to regular income tax
Provisional Combined Income
$25,000.00
Portion Taxed
0.0% of Benefits
* This is the amount added to your taxable gross income, not the exact dollars you will pay in federal income taxes.
Quick Answer & IRS Thresholds
In 2026, single filers with combined income above $34,000 have up to 85% of SS benefits taxable. Below $25,000 — completely tax-free. For married filing jointly: tax-free below $32,000, and up to 85% taxable above $44,000.
2026 IRS Taxability Thresholds — Visual Guide
How your combined income determines the taxable percentage of your Social Security benefits.
0% Tax-Free
Up to 50% Taxable
Up to 85% Taxable
100%
85%
50%
20%
0%
0%
< $25k
Single
50%
$25k-$34k
Single
85%
> $34k
Single
0%
< $32k
Married
50%
$32k-$44k
Married
85%
> $44k
Married
*Combined Income = AGI + Non-taxable Interest + 50% of Social Security Benefits.
ℹ
2026 STATE TAXABILITY OVERVIEW: In 2026, 42 states and Washington, D.C. do NOT tax Social Security benefits at the state level (including West Virginia, which completed its full tax phaseout). Only 8 states levy state taxes on benefits, each offering distinct income, age, or credit exemptions.
Find Your State's Social Security Tax Rule
Explore exact exemption thresholds and statutory deduction rules for 2026.
Minnesota
9.85% top rateGradual Phaseout Subtraction
Full exemption up to $84,490 ($108,320 joint). Exemption phases out 10% per $4,000 of income over the threshold.
View Minnesota 2026 Rules →Connecticut
6.99% top rateAGI Exemption Cutoff
100% tax-free if AGI is ≤ $75,000 ($100,000 joint). Above that, no more than 25% of taxable benefits are taxed.
View Connecticut 2026 Rules →Utah
4.55% flat rateRetirement Tax Credit
Nonrefundable credit phases out above $54,000 MAGI ($90,000 joint), reducing or eliminating state tax owed.
View Utah 2026 Rules →Browse all 8 taxing states (Full list & comparisons: MT, NM, RI, VT)
Montana
5.90% top rate
Federal-Method Deduction
Taxes federal taxable portion; filers age 65+ deduct up to $5,500 (single) or $11,000 (joint).
View Montana 2026 Rules →
New Mexico
5.90% top rate
High-Cap Exemption
100% exempt for AGI ≤ $100,000 ($150,000 joint). Most retirees pay zero state tax on Social Security.
View New Mexico 2026 Rules →
Rhode Island
5.99% top rate
FRA + Income Threshold
100% exempt at Full Retirement Age (FRA) with AGI ≤ $107,000 ($133,750 joint).
View Rhode Island 2026 Rules →
Vermont
8.75% top rate
Threshold + Phaseout
100% exempt for AGI ≤ $50,000 ($65,000 joint); a partial exemption phases out at higher incomes — consult a tax professional for your exact threshold.
View Vermont 2026 Rules →10 States That Don't Tax Social Security
Compare overall retirement tax burdens (income tax, pensions, and property rates) across top non-taxing destinations.
Florida
0% State TaxNo State Personal Income Tax
Zero state tax on Social Security, pensions, 401(k)s, or IRA distributions. Effective property tax rate of 0.78% with up to $50k Homestead Exemption.
View Florida 2026 Rules →Texas
0% State TaxConstitutional Income Tax Ban
Zero state tax on Social Security and retirement withdrawals, but property tax averages 1.40% (mitigated by an over-65 school tax ceiling freeze).
View Texas 2026 Rules →Arizona
0% SS TaxFlat 2.50% · 0.48% Property Tax
Social Security is 100% exempt. Other retirement income is taxed at a low flat 2.50%, paired with the lowest property tax in this group at just 0.48%.
View Arizona 2026 Rules →California
0% SS TaxSS Exempt · Up to 13.3% on Other Income
Social Security is completely tax-free, but California taxes pensions and 401(k) withdrawals progressively up to 13.3%. Property tax averages 0.70% under Prop 13.
View California 2026 Rules →Browse remaining 6 non-taxing states (Full comparisons: NY, PA, OH, IL, GA, NC)
New York
0% SS Tax
SS Exempt · $20k Pension Exclusion
SS is 100% exempt. Progressive tax up to 10.9% on other retirement income with $20k pension exclusion for 59½+. Property tax: 1.30%.
View New York 2026 Rules →
Pennsylvania
0% SS Tax
SS & Pensions 100% Exempt (Age 60+)
Exempts SS and qualifying 401(k)/pensions for retirees 60+. Flat 3.07% on earned wages. Property tax: 1.26%.
View Pennsylvania 2026 Rules →
Ohio
0% SS Tax
SS Exempt · Flat 2.75% Other Income
SS is tax-free. Flat 2.75% rate on income above $26,050 with senior tax credits. Property tax averages 1.36% plus local municipal add-ons.
View Ohio 2026 Rules →
Illinois
0% SS Tax
SS & Pensions Exempt · 1.88% Property Tax
SS and qualified retirement income are 100% exempt, but Illinois levies the highest property tax of this group at 1.88% (2nd highest in US).
View Illinois 2026 Rules →
Georgia
0% SS Tax
SS Exempt · $65k Retirement Exclusion
SS is exempt. Flat 5.19% on other income, with a $35k (ages 62–64) or $65k (age 65+) exclusion per person. Property tax: 0.79%.
View Georgia 2026 Rules →
North Carolina
0% SS Tax
SS Exempt · Flat 3.99% · 0.66% Property Tax
SS is 100% tax-free. Flat 3.99% on pensions/401(k)s, paired with a very low 0.66% effective property tax rate.
View North Carolina 2026 Rules →How This Calculation Works
Combined Income Formula
Combined Income = AGI + Nontaxable Interest + 50% of Social Security Benefits. This IRS metric determines benefit taxability.
The 85% Maximum Rule
The IRS can tax at most 85% of your benefits. At least 15% is always 100% tax-free regardless of your income level.
State Tax Rules
42 states + D.C. charge 0% state tax on Social Security. Only 8 states tax benefits, each offering distinct income, age, or credit exemptions.
Private by Design
All calculations run locally in your browser. No personal financial data is ever sent, stored, or tracked on any server.
Frequently Asked Questions
1. Do I have to pay taxes on Social Security if it's my only income?
In most cases, no. If your only source of income is your Social Security benefit, your Combined Income will typically fall well below the IRS base amount ($25,000 for singles, $32,000 for married couples). Therefore, your benefits will remain 100% tax-free at both federal and state levels.
2. What counts as Combined Income for Social Security taxation?
The IRS uses a specific formula to calculate your Combined Income (also known as provisional income). It includes your Adjusted Gross Income (AGI), plus any nontaxable interest (such as municipal bond distributions), plus exactly one-half (50%) of your total Social Security benefits.
3. Can I reduce the tax I pay on my Social Security benefits?
Yes. Common strategies include managing withdrawals from traditional IRAs/401(k)s, utilizing Roth IRA conversions prior to retirement, taking Qualified Charitable Distributions (QCDs) after age 70½, and timing capital gains to stay below the $25k/$32k base thresholds.
4. Is Social Security taxed differently in each state?
Absolutely. While this calculator estimates your federal tax liability, your state tax burden depends entirely on where you live. In 2026, 42 states and Washington D.C. (including West Virginia) do not tax Social Security benefits at all.
5. What is the maximum percentage of Social Security that can be taxed?
Under federal law, the absolute maximum amount of your Social Security benefits that can be subject to federal income tax is 85%. You will never be taxed on 100% of your benefits, no matter how high your external income is.