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Thanks...forgot to mention that my wife will receive additional SS benefits beginning Jan 2021 (her spousal benefit).  So, I guess I need to find a calculator to determine if I will have any tax obligation.  We will have $53,000 SS income, no IRA withdrawals, no capital gains or other sources of income.  Will supplement that income as required via cash savings account.  We file joint married and take the standard deduction.

 

What do you think...should I fill out a 2020 short form to see if tax will be owed on $53K of SS income?