If you're single and make over $25,000 a year—or $32,000 if married—part of your Social Security could be taxed by the IRS. Below that? You’re usually safe.
2. Check Your Income Level
In higher income brackets, up to 85% of your Social Security benefits can be taxable. This doesn’t mean 85% tax—just that portion is added to your taxable income.
4. Up to 85% Could Be Taxed
Even if you don’t owe taxes, you may still need to file a return—especially if you got income from other sources, like pensions, side jobs, or dividends.
4. Possible Benefit Increase
You can ask Social Security to withhold taxes from your payments. This helps avoid a surprise tax bill later. It's not required, but it makes life easier.
5. How to Check Your Payment
Not sure where you stand? The IRS offers tools to check if your Social Security is taxable. Or talk to a tax pro to keep things smooth and stress-free.
7. Use IRS Tools or Help
The IRS looks at your “combined income.” That’s your adjusted gross income + nontaxable interest + half of your Social Security benefits.
3. What Is “Combined Income”?
Social Security benefits aren't always taxed. It depends on how much other income you have in a year, including retirement savings or part-time work.
1. Not Always Taxable