Isn’t social security income excluded from taxes when I turned 65?

Meekearth · ‎January 25, 2026

I read this on soc. Sec. Website.

SteamTrain · ‎January 25, 2026

Depends...if you have other income...pensions, IRAs, investment income like dividends & interest, or stock/bond/mutual fund sales......then some of your SS may be taxed. Up to 85% may be included in taxable, at the most. BUT, if your only income is SS, then you do not have to file unless you have a 1095A for purchased Obamacare med insurance. Being over/under age 65 is immaterial.

Thus, if you file taxes, you must always enter your SSA-1099 into the tax software...and the software will calculate whether any of it is taxable, and will include whatever is taxable on your form 1040, line 6b

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*

VolvoGirl · ‎January 25, 2026

Up to 85% of Social Security becomes taxable when all your other income plus 1/2 your social security, reaches:

Married Filing Jointly: $32,000

Single or head of household: $25,000

Married Filing Separately: 0

Nothing about Social Security has changed. It can still be taxable.
For 2025 there is a new Enhanced Deduction for Seniors of $6,000 for each spouse 65 or older if you qualify. The income limit is 75,000 (150,000 Joint), it is reduced by 6 cents for every dollar of income over. That is listed separately on your return and is in addition to the Standard Deduction or your Itemized Deductions and is after any Social Security taxable amount on line 6b. The deduction for seniors will be allowed for 4 years, from 2025 through 2028.