Social Security Tax Calculator

Your situation Example figures. Replace with yours.

Tax year

Filing status

Spouse 1 birth year

Spouse 2 birth year

Social Security benefits for the year

Box 5 of Form SSA-1099: your benefits before Medicare premiums are taken out. Married filing jointly: add both spouses' benefits.

Other taxable income

Taxable amounts only: wages, pensions, taxable IRA and 401(k) withdrawals, Roth conversions, taxable interest, dividends, capital gains, and business, rental or unemployment income. Enter a net loss with a minus sign. Form 1040 lines 1z, 2b, 3b, 4b, 5b, 7a and 8.

Tax-exempt interest

Municipal bond interest, Form 1040 line 2a. It isn't taxed, but it counts toward provisional income.

Cash gifts to charity

Starting in 2026, if you take the standard deduction you can also deduct up to $1,000 ($2,000 married filing jointly) of cash gifts to qualifying charities. Gifts to donor-advised funds don't count. If you itemize, include your gifts in itemized deductions instead.

Less common situations (most people can skip this)

Adjustments to income

Schedule 1, lines 11 through 20, 23 and 25 (for example HSA, deductible IRA and self-employment tax deductions). Enter student loan interest in its own box below.

Student loan interest deduction

Schedule 1, line 21 (up to $2,500; not available when married filing separately). It lowers your AGI, but by law it doesn't lower provisional income.

Excluded foreign or U.S. possession income

Foreign earned income or housing excluded on Form 2555, or income excluded by bona fide residents of American Samoa (Form 4563) or Puerto Rico. It counts toward provisional income.

Excluded adoption benefits or savings bond interest

Employer adoption benefits excluded on Form 8839, or U.S. savings bond interest excluded for education on Form 8815. Not taxed, but it counts toward provisional income.

Itemized deductions

Leave at 0 to use the standard deduction. The calculator uses whichever is larger. The Enhanced Senior Deduction applies either way.

Taxable Social Security

0% taxable50%85% maximum

Federal estimate only. It doesn't include the alternative minimum tax (AMT), ACA premium tax credits, Medicare IRMAA surcharges or state tax. All income is taxed at ordinary rates, so tax may be overstated if you have qualified dividends or long-term capital gains. Open "Rules used" below for the full list.

What happens when you add income

Enter income you're considering, such as a Roth conversion or an IRA withdrawal, and compare it with your current scenario. Once your benefits start becoming taxable, each added dollar can pull more of them into taxable income, so the tax on the added income can run higher than your bracket.

Income to add

Not included: the alternative minimum tax (AMT), changes to ACA health insurance premium tax credits, and Medicare IRMAA surcharges. Added income can affect all three, so your real cost could be higher. State tax and the lower rates on qualified dividends and long-term capital gains also aren't included.

Tax rate on each additional dollar

Federal tax on your next dollar Your tax bracket More of your benefits becoming taxable Enhanced Senior Deduction phasing out Next tax bracket starts

Show added income up to

Show the math

The IRS Social Security Benefits Worksheet, line by line, for your current scenario and with the added income from the section above. Changed amounts are shaded. It's the same worksheet as in the Form 1040 instructions (IRS worksheet) and IRS Publication 915, Worksheet 1.

Rules used for

What this estimate doesn't include

State income tax.
The lower rates on qualified dividends and long-term capital gains. All income is taxed at ordinary rates.
The alternative minimum tax, the net investment income tax and tax credits.
Medicare IRMAA surcharges, which are based on income from two years earlier.
ACA marketplace premium tax credits, which can shrink or end as income rises.
The lump-sum election for benefits paid for earlier years.

How much of your Social Security is taxable?