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minnievho
Returning Member

Is it normal to have to pay federal income tax when I’m the only one working and my spouse is collecting social security?

 
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3 Replies
Vanessa A
Expert Alumni

Is it normal to have to pay federal income tax when I’m the only one working and my spouse is collecting social security?

Yes.  Depending on how much you are earning, your spouses social security can be up to 85% taxable.  If they are not having any taxes withheld throughout the year, you would end up needing to pay at the end of the year.  If your spouses social security is taxable, it would be a good idea to contact the SSA and ask them to withhold taxes on their social security benefits. 

 

If you fall into the following, 85% of your social security is taxable income

  • Single with income above $34,000
  • Married Filing Jointly with income above $44,000
  • Married Filing Separate regardless of income

If you fall into the following, 50% of your social security is taxable income

  • Single with combined income between $25,000-$34,000
  • Married Filing Jointly with combined income between $32,000 and $44,000

Your combined income is calculated by adding your

  • AGI plus
  • Nontaxable Interest plus
  • 1/2 of your social security Benefits

Social Security Benefits Taxes

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Is it normal to have to pay federal income tax when I’m the only one working and my spouse is collecting social security?

It's normal to pay Income Tax when you are working.

Why do you ask?

 

@minnievho  

minnievho
Returning Member

Is it normal to have to pay federal income tax when I’m the only one working and my spouse is collecting social security?

Just curious because since my husband retired I haven’t had to pay. I’ve been getting money back. 

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