Social Security Taxability Estimator
Up to 85% of your Social Security benefit can be subject to federal income tax—but only if your income exceeds certain thresholds. This worksheet walks you through the IRS provisional income calculation so you can estimate how much (if any) of your benefit will be taxable this year.
🏛️Social SecurityUp to 85% of your Social Security benefit can be subject to federal income tax—but only if your income exceeds certain thresholds. This worksheet walks you through the IRS provisional income calculation so you can estimate how much (if any) of your benefit will be taxable this year.
Step 1: Calculate Your Provisional Income (Combined Income)
Provisional income is the IRS measure used to determine Social Security taxability. It is NOT the same as AGI—it includes some income that AGI does not.
Step 2: Compare to the Thresholds
Step 3: Estimate Taxable SS Amount
If your provisional income is above $34,000 (single) or $44,000 (MFJ), use the IRS worksheet (IRS Publication 915 or the worksheet in Form 1040 instructions) for the precise calculation. As a rough estimate:
Step 4: Strategies to Reduce SS Taxability
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