Social Security Calculator
See what your monthly Social Security retirement benefit could be — and what waiting a few more years is worth.
Your estimated benefit at age 67
$0 / month
$0 a year
This is an estimate — not a promise, and not your official Social Security figure. Your real benefit is figured from your own earnings record. To see the Social Security Administration’s numbers for you, check your Social Security Statement at ssa.gov.
Will your benefits be taxed?
Maybe. Social Security itself is never taxed directly — but if your other income is high enough, part of your benefit counts as taxable income on your federal tax return.
The IRS adds up your other income, any tax-free interest, and half of your Social Security benefits. That total is called your combined income, and it is measured against these lines:
If you file on your own
Combined income under $25,000 — none of your benefits are taxed.
$25,000 to $34,000 — up to half of your benefits can be taxed.
Over $34,000 — up to 85% of your benefits can be taxed.
If you file jointly with a spouse
Combined income under $32,000 — none of your benefits are taxed.
$32,000 to $44,000 — up to half of your benefits can be taxed.
Over $44,000 — up to 85% of your benefits can be taxed.
“Up to” is the key phrase — being over a line does not mean that whole share of your benefit is taxed, and no more than 85% of a benefit is ever taxed. One thing that pushes people over the line without their noticing: a required withdrawal from a traditional IRA counts as income in this math, even though it is your own savings coming back to you.
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