Get your taxes done using TurboTax

You have not gotten different answers, I think you are confused.

 

If social security benefits are your only income, they are not taxable.  If you have other taxable income from any source, then your benefits may also be taxable.  A traditional IRA is other taxable income. The formula is complicated, you may want to see these IRS pages.

 

https://www.irs.gov/individuals/tax-withholding-estimator

 

https://www.irs.gov/newsroom/dont-forget-social-security-benefits-may-be-taxable