Free CPA Tony Tool

Social Security Taxability Estimator

Estimate how much of your Social Security may be included in federal taxable income—and whether working before full retirement age could temporarily reduce your benefit payments. No email required.

Estimate 1

How Much Social Security May Be Taxable?

$
Use the combined Box 5 amount from all SSA-1099s. Joint filers include both spouses.
$
Exclude Social Security and tax-exempt interest. Use income after ordinary above-the-line adjustments.
$
For example, tax-exempt municipal-bond interest.
Estimated taxable Social Security$0.00
Estimated nontaxable Social Security$0.00
Percentage of benefits taxable0.0%
Combined income used$0.00
Enter your information to estimate the taxable portion of your benefits.

Important: “85% taxable” does not mean an 85% tax rate. It means up to 85% of the benefit may be included in taxable income and then taxed at your applicable federal income-tax rate.

Estimate 2

Could Work Earnings Temporarily Withhold Benefits?

This estimate applies to wages and net self-employment earnings—not pensions or investment income.
$
Enter wages plus net self-employment earnings.
Applicable 2026 earnings limitNo limit
Estimated benefits withheld$0.00
Benefits remaining after estimate$24,000.00
Withholding formulaNone
Once you reach full retirement age, earnings do not cause Social Security retirement benefits to be withheld.

Keep the Two Rules Separate

Taxable benefits affect your federal income-tax return. The retirement earnings test may temporarily withhold benefit payments when you work before full retirement age. Withheld benefits are not the same as income tax, and Social Security may later recalculate your benefit to give credit for months in which benefits were withheld.

Read: What Age Should You Start Social Security?Call CPA TonyText CPA Tony

Educational estimate only. This calculator is for general educational purposes and is not individualized tax, legal, financial, or investment advice. Results are estimates and should be verified before making tax or Social Security decisions. This tool covers common situations and does not calculate your total federal tax. It does not address lump-sum benefits for prior years, nonresident or dual-status taxpayers, unusual exclusions, circular IRA-deduction calculations, or other special cases. Verify your result using current IRS instructions or with a qualified tax professional before filing or making a claiming decision.

Sources: IRS Publication 915 and SSA 2026 COLA Fact Sheet.