The short answer
It depends on your other income. If Social Security is your only income, it's usually not taxed. If you have other income too, like a pension, IRA withdrawals or wages, up to 85% of your benefits may be taxable.
Last reviewed: October 2026
The quick test
Add half of your Social Security benefits to all your other income, including tax-exempt interest. If that total is above:
- $25,000 (single or head of household), or
- $32,000 (married filing jointly),
then part of your benefits is taxable. Above $34,000 ($44,000 joint), up to 85% can be.
Ways people get surprised
- A large IRA withdrawal or required minimum distribution pushes more of their Social Security into tax.
- No tax is withheld from benefits unless you ask. You can, with Form W-4V.
If you're 65 or older, also see the new $6,000 senior deduction.
Official source: IRS: Social Security benefits may be taxable.
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Disclaimer: This page is general information, not tax advice. Every situation is different, and tax rules change. Reading this page doesn't make you a client.