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Level 1
October 22, 2025
Question

IRA withdrawal

  • October 22, 2025
  • 1 reply
  • 81 views

I file married filing jointly reporting around 72,000 in income, 90% is social security.  How much money can I withdraw from my IRA before it makes my social security taxable?

1 reply

KarenL
Employee Tax Expert
Employee Tax Expert
October 23, 2025

As a married filing jointly couple, you, if you earn between  $32,000 to $44,000, you will pay income taxes on up to 50% of your Social Security benefits. If you earn more $44,000 if you’re married filing jointly, you’ll pay taxes on up to 85% of your benefits. You will never be taxed on more than 85% of your Social Security benefits.

You can read more about it at this Guide to Social Security Tax. 

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