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Social Security Taxable Benefits Calculator

Enter your benefits and income

2026 federal tax year

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Net benefits from box 5 of Form SSA-1099 (and RRB-1099), for everyone on the return.

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W-2 wages plus business profit.

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Including required minimum distributions.

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Municipal bond interest. Not taxed itself, but it counts here.

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Net capital gain, rental income, unemployment and similar. Use a minus sign for a net loss.

More options
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Schedule 1 adjustments such as a deductible IRA, HSA or half of self-employment tax. Leave out student loan interest.

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Foreign earned income or housing exclusion, employer adoption benefits, and certain Puerto Rico or American Samoa income.

Your taxable benefits

Taxable Social Security

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Share of benefits taxed

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Tax-free benefits

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Provisional income–
Base amounts for your filing status–
Effect of more income–

The taxable part is added to your other income and taxed at your normal rates. The base amounts are set by law and are not adjusted for inflation.

Worksheet, line by line

The same steps as the taxable benefits worksheet in the Form 1040 instructions and IRS Publication 915. A dash means the line is skipped.

LineStepAmount

Results are estimates for educational purposes and are not financial, tax or legal advice.

Work out how much of your Social Security benefits counts as taxable income, from 0% up to 85%, by comparing your provisional income with the federal base amounts. Next, open the annuity calculator and enter your own details to see an estimate in seconds.