Social Security Taxable Calculator
2026 rulesFind how much of your Social Security benefit is taxable, using the IRS worksheet.
Your numbers
Result
Taxable Social Security
- Provisional income (other + exempt + half of benefits)$50,000
- First threshold (up to 50% taxable)$25,000
- Second threshold (up to 85% taxable)$34,000
- Taxable benefits$18,100
- Share of benefits taxed60.3%
- Tax-free benefits$11,900
These thresholds are set in law and are not indexed, so more retirees cross them each year.
How it works
Start with provisional income: your other income, plus tax-exempt interest, plus half of your benefits. Below $25,000 single or $32,000 joint, none of the benefits are taxable.
Between those amounts and $34,000 single or $44,000 joint, up to 50% is taxable. Above them, up to 85%. The thresholds are written into law and have never been indexed for inflation.
2026 figures: SSA 2026 COLA fact sheet; CMS 2026 Medicare Parts A & B premiums and deductibles; IRS Rev. Proc. 2025-19 (2026 HSA limits).
Questions
Did the 2025 tax law end tax on Social Security?
No. It added a deduction of up to $6,000 per person 65 or older from 2025 through 2028, which lowers the tax for many retirees, but benefits are still taxable under the same rules.
Does my state tax Social Security?
Most don't. In 2026, Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah and Vermont can tax some benefits, usually with income-based exemptions.
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