2026 Rules: Thresholds remain $25,000 / $34,000 (single) and $32,000 / $44,000 (married filing jointly). This calculator uses the official combined-income method.
Social Security Tax Calculator 2026
Instantly estimate how much of your Social Security benefits may be taxable this year. Enter your numbers below — results update based on current IRS combined-income rules.
Your Results
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Important: This tool estimates the taxable portion of your benefits (the amount added to your taxable income). The actual tax you pay depends on your overall tax bracket and deductions (including the temporary $6,000 senior deduction for those 65+).
How This Calculator Works
It follows the official IRS method:
- Combined Income = Other Income (AGI) + Nontaxable Interest + ½ of Social Security benefits
- Compares combined income to the 2026 thresholds
- Applies the correct “lesser of” formula for the 50% or 85% tier
For a full explanation, see our Social Security Tax Guide.
Quick Threshold Reference (2026)
| Filing Status | 0% Taxable | Up to 50% | Up to 85% |
|---|---|---|---|
| Single / HoH | Under $25,000 | $25,000 – $34,000 | Over $34,000 |
| Married Filing Jointly | Under $32,000 | $32,000 – $44,000 | Over $44,000 |