Tax & Payroll
Social Security Benefits Taxability Calculator
Work out how much of your Social Security is federally taxable using the combined-income test.
Preparing your result…
What this calculator does
Shows how much of Social Security is taxable.
What your result means
Taxable benefits (up to 85%).
Formula
Provisional = other + tax-exempt + ½ benefits. Taxable = min(85% × benefits, 85% × max(0, P − B2) + min(½ benefits, ½ × (min(P, B2) − B1)))
The step-by-step working for your own numbers appears with the result above and in the PDF report.
Frequently asked questions
Symbols and assumptions
- P
- Provisional income
- • Statutory base amounts $25k/$32k and $34k/$44k.
Sources and review
Reviewed 2026-09-23 · Next review 2027-01-15
- • Lump-sum election not modelled.
- • Rules change annually.
- • Educational estimate, not tax advice.
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
Report a mistake or request an improvement
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