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How much of your Social Security is taxable? 2026 calculator

Enter your filing status, your other income (AGI not counting Social Security), any tax-exempt interest, and your total Social Security benefit for the year. See your provisional income, which of the three tiers you're in, and the dollar amount and percentage of your benefits that's taxable -- using the IRS Publication 915 Worksheet 1 calculation, not an approximation.

✓ TestedIRS Publication 915 Worksheet 1, checked against its own two published examples
Taxable Social Security–

Federal only. This is IRS Publication 915's Worksheet 1 calculation, applied the same way the IRS applies it, not an estimate. It doesn't model Schedule 1 adjustments (educator expenses, HSA/IRA deductions, student loan interest, etc.) -- enter your AGI excluding Social Security as "other AGI" and those are already netted out. Most states don't tax Social Security benefits at all; a handful do, with their own rules -- this tool and the taxability guide cover federal tax only.

How it works

Provisional income is your AGI excluding Social Security, plus tax-exempt interest, plus 50% of your benefit. Below $25,000 ($32,000 married filing jointly), none of your benefit is taxable; above $34,000 ($44,000 joint), up to 85% is, following IRS Publication 915's Worksheet 1 exactly. A single filer with $20,000 in benefits and $30,000 of other income owes tax on $9,600 of it (48%); a married couple with $30,000 in benefits and $120,000 of other income hits the 85% cap, $25,500 taxable. Married filing separately and lived with your spouse during the year? The $25,000/$34,000 thresholds don't apply -- see the taxability guide for that rule and both worked examples in full.

Worked examples