Is my social security income taxable?

Modified on Wed, 01 Feb 2023 at 11:24 PM

Social Security income is taxable at any age, depending on your income. In most cases, you’ll be taxed on up to 50% to 85% of your Social Security income. If you make below a certain amount, you will not need to pay taxes on your Social Security income.


The IRS determines if you’ll owe taxes on your Social Security benefits by looking at a figure known as your combined income. Your combined income includes your adjusted gross income, your tax-exempt income, and half of your Social Security benefits.


For 2022, if you make under $25,000 in combined income and file as single, you will not be taxed on your Social Security income.


If you make between $25,000 and $34,000, and are a single filer, you’ll be taxed on up to 50% of your Social Security income. If you make over $34,000, you’ll be taxed on up to 85% of your Social Security income. 


Married, joint filers must have made under $32,000 in 2022 combined to avoid taxation on Social Security income. Married, joint filers who made between $32,000 and $44,000 will be taxed on up to 50% of their Social Security income, while those who made over $44,000 will be taxed on up to 85% of this income. There are some exceptions and more complicated tax situations to take into account. You can use the IRS taxable benefits tool to help figure out your combined income.

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