Social Security Taxability Calculator

Wondering how much of your Social Security benefits may be taxed? Your tax picture can change a lot in retirement, especially when you combine Social Security with wages, pensions, or IRA withdrawals. This calculator gives you a quick estimate of how much of your benefit may be considered taxable based on IRS rules. Questions? Click here to schedule a meeting with an advisor.

Social Security Taxability Calculator

Estimate how much of your Social Security benefits may be subject to federal income tax.

Filing Status: Annual Social Security Benefits ($): Box 5 of any SSA-1099 and RRB-1099 Other Taxable Income ($): IRS Form 1040 lines 1z, 2a, 2b, 3a, 3b, 4b, 5b, 7, 8 Tax-Exempt Interest ($): Adjustments & Deductions ($): IRAs, Keoghs, alimony etc. from Schedule 1 line 26

Social Security Taxability Results
Provisional Income	$0.00
Taxable Portion of Social Security	$0.00
Percent of Social Security Taxable	0%
Adjustments & Deductions Applied	$0.00
Estimated Taxable Income (Other income + taxable Social Security − adjustments)	$0.00
This calculator is for illustrative purposes only and does not provide tax advice.

Social Security is a key source of income for many retirees, but its taxation can be confusing. Unlike most retirement income, the portion of Social Security that becomes taxable depends on your filing status, other taxable income, and even tax-exempt interest. This calculator helps simplify that complexity by giving you a clear estimate of how much of your benefits may be subject to federal income tax.

By entering a few basic numbers, you can quickly see your provisional income, the taxable portion of your benefits, and the percentage of benefits included in taxable income. This makes it easier to understand how additional income—such as part-time work, investment withdrawals, Roth conversions, or required minimum distributions (RMDs)—could impact your tax bill in retirement.

For clients working with La Crosse Financial Planning, this tool also supports better planning conversations. It helps highlight opportunities to manage taxes through thoughtful withdrawal strategies, income timing, or charitable giving. And for anyone preparing for retirement, it provides valuable insight into how taxes may affect your true take-home income.

To take the next step, schedule a meeting with a financial advisor. They can review your results and help you create a personalized strategy. You can also join our RetireMentorship community to receive helpful tips, updates, and tools for growing your wealth. Using this calculator along with professional guidance lets you make smart financial decisions. It helps you plan for the future, maximize the power of compound interest, and achieve your long-term financial goals.