Accurately compute the taxable portion of your Social Security benefits using official IRS rules and thresholds.
Your Tax Information
Figures from your 2025 tax documents
Filing Status
Your filing status determines which IRS income thresholds apply to your SS benefit tax calculation.
Special Rule: Filing separately while living with your spouse means up to 85% of SS benefits are automatically taxable, regardless of income. (IRS Pub. 915)
Social Security Benefits
Net amount from Box 5 of Form SSA-1099. This equals gross benefits paid minus any repayments made.
$
Form SSA-1099, Box 5 — Net Benefits for 2025
Other Income
Include wages, pensions, IRA withdrawals, dividends, capital gains. Do NOT reduce by deductions — IRS requirement.
$
Wages, pensions, IRA distributions, dividends, capital gains
Tax-Exempt Interest
Municipal bond interest. Not taxable itself, but IRS still counts it in the combined income formula for SS benefits.
$
Municipal bond interest — Form 1040, Line 2a
Export Results
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⚠ For estimation purposes only. Verify with a qualified tax professional before filing.
Calculation Results
Based on your inputs
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Combined Income
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Base Threshold
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Taxable Amount
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% of Benefits
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Taxable Percentage0%
0%50%85% max
Step-by-Step Breakdown
IRS Pub. 915 Worksheet 1 logic
Calculation breakdown will appear here after you calculate.