Social Security Income Tax Calculator 2025
"If my only income is social security do i have to file taxes? How much of my social security income is taxable?" Are you wondering about these type of questions? If so, use this social security income tax calculator to find out if you owe any taxes on your social security income and other income. If your only income in 2025 comes from your Social Security or the SSEB portion of Tier 1 Railroad Retirement benefits, these benefits are generally not IRS taxable and you probably don’t need to file a return. However, if you have other income in addition to your benefits, you may still need to file a return, even if none of your benefits are taxable.
This calculator estimates the IRS taxes you might owe on your Social Security income plus the estimated taxes if you have additional income from wages, retirement distributions, tax-exempt interest, etc. Even if the tool shows incomes taxes, you might not owe or have to pay them if your standard deduction and senior deductions exceeds the amount of taxes due or if you have other tax deductions, for example. Below an overview on how your social security benefits are factored with your other income:
Base Amount Thresholds
These combined income or provisional income (Provisional Income = Adjusted Gross Income (AGI) plus tax-exempt Interest income + 50% of Social Security Income) thresholds and the taxpayer filing status determine whether Social Security benefits are taxable or not in 2025. The calculator below will provide you answers to your personal situation.
Single, Head of Household, Surviving Spouse, MFS
$25,000 0% taxable
$34,000 up to 50% taxable
Above $34,000 up to 85% taxable
Married Jointly
$32,000
$44,000
Above $44,000 up to 85% taxable
Married Separate*
$0
$0
$0
*) If spouses lived together any time during the year.
The standard deductions in this tool are based on the 2025 tax year and include the adjustments as a result of the 2025 tax reform or one big beautiful bill. The $6,000 senior deduction will be included if applicable (born before Jan. 2, 1961) and is reduced by 6 cents for every $1 the MAGI exceeds the threshold or phase-out level. Phase out starts at $75,000 (ends at $175,000) for singles, head of household, married separate and starts at $150,000 (ends at $250,000) for married filing jointly.
For example: A senior taxpayer filing as single with a $90,000 MAGI for tax year 2025 would see their deduction reduced by $900 to $5,100. $90,000 minus 75,000 = $15,000 x $0.06 = $900. The senior deduction in this case is $5,100 ($6,000 minus $900) instead of the $6,000.
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