The short answer
No, Social Security can still be taxed. What's new is an extra $6,000 deduction for each person 65 or older, on 2025 through 2028 returns. For many retirees, that means less of their income is taxed, or none at all.
Last reviewed: October 2026
Who gets it
- You're 65 or older by the end of the tax year. A married couple who are both 65 or older can get $12,000.
- You have a valid Social Security number.
- If you're married, you file jointly.
Limits
- It shrinks once income goes above $75,000 ($150,000 married filing jointly).
- It's on top of the standard deduction and the existing extra deduction for age 65, or on top of itemized deductions.
So how is Social Security taxed?
The same way as before. Depending on your other income, up to 85% of your benefits may be taxable. See Is Social Security taxable?
Official source: IRS: One, Big, Beautiful Bill provisions.
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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.