Social Security Tax Calculator 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Taxable portion of your benefits (2026)
$11,300
47.1% of your $24,000 in benefits is subject to federal income tax
| Total benefits | $24,000 |
| Taxable portion | $11,300 |
| Tax-free portion | $12,700 |
Up to 85% of Social Security benefits can be taxable, based on provisional income (other income + half your benefits). At low income, 0% is taxed. Thresholds: $25,000 / $34,000. The taxable portion is then taxed at your ordinary rate.
About this calculator
Whether your Social Security benefits are taxed depends on your 'provisional income' (other income plus half your benefits). This calculator applies the IRS thresholds to show how much of your benefits is subject to federal income tax in 2026.
FAQ
How much of my Social Security is taxable in 2026?
Between 0% and 85%, depending on provisional income. Single filers start owing tax above $25,000 of provisional income (up to 50% taxable) and up to 85% above $34,000.
What is provisional income?
Your adjusted gross income from other sources plus tax-exempt interest plus half of your Social Security benefits. It determines the taxable portion of benefits.
Is Social Security ever 100% tax-free?
Yes — if provisional income is below $25,000 (single) or $32,000 (married filing jointly), none of your benefits are federally taxed.
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2026 federal figures from IRS Rev. Proc. 2025-32 and Notice 2025-67; SSA wage base. Estimates for guidance only, not tax advice.