Your Income Picture
Enter your income and SS benefit amounts for each claiming age. We'll compare the tax exposure side by side and identify the lowest-tax option.
Determined automatically from your total income.
Pension, IRA withdrawals, wages, rental income, etc.
Municipal bond interest — counts toward provisional income even if tax-exempt.
From your SSA statement.
Your full benefit at Full Retirement Age.
Maximum delayed benefit.
41 states exempt SS from state income tax entirely.
📊 Your Tax Impact Analysis
🧮 How Provisional Income Is Calculated
Key thresholds (2024):
• Single filers: Below $25,000 = 0% taxable • $25,000–$34,000 = up to 50% taxable • Above $34,000 = up to 85% taxable
• Married filing jointly: Below $32,000 = 0% taxable • $32,000–$44,000 = up to 50% taxable • Above $44,000 = up to 85% taxable
Remember: "Up to 85% taxable" means 85% of your SS benefit is included in taxable income — not that you pay 85% tax. You pay your normal marginal rate on that portion.
• Single filers: Below $25,000 = 0% taxable • $25,000–$34,000 = up to 50% taxable • Above $34,000 = up to 85% taxable
• Married filing jointly: Below $32,000 = 0% taxable • $32,000–$44,000 = up to 50% taxable • Above $44,000 = up to 85% taxable
Remember: "Up to 85% taxable" means 85% of your SS benefit is included in taxable income — not that you pay 85% tax. You pay your normal marginal rate on that portion.
This tool provides estimates for educational purposes only. It is not tax advice. Consult a qualified tax professional for personalized guidance.