Social Security

HSouth — Tue, 24 Feb 2026 06:01:56 GMT

Why does Social Security increase the tax liability?

Re: Social Security

xmasbaby0 — Wed, 05 Apr 2023 16:39:47 GMT

TAX ON SOCIAL SECURITY

Up to 85% of your Social Security benefits can be taxable on your federal tax return. There is no age limit for having to pay taxes on Social Security benefits if you have other sources of income along with the SS benefits. When you have other income such as earnings from continuing to work, investment income, pensions, etc. up to 85% of your SS can be taxable.

What confuses people about this is that before you reach full retirement age, if you continue working while drawing SS, your benefits can be reduced if you earn over a certain limit. (For 2019 it was $17,640— for 2020 it was $18,240; for 2021 it was $18,960. For 2022 it was $19,560 — for 2023 $21,240)

After full retirement age, no matter how much you continue to earn, your benefits are not reduced by your earnings; your employer will still have to withhold for Social Security and Medicare.

To see how much of your Social Security was taxable, look at lines 6a and 6b of your 2022 Form 1040

https://ttlc.intuit.com/questions/1899144-is-my-social-security-income-taxable

https://www.irs.gov/help/ita/are-my-social-security-or-railroad-retirement-tier-i-benefits-taxable

You need to file a federal return if half your Social Security plus your other income is $25,000 when filing single or head of household, or $32,000 when filing married filing jointly, $0 if you are filing married filing separately.

Some additional information: There are 13 states that tax Social Security—Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont, and West Virginia. These states offer varying degrees of income exemptions, but four mirror the federal tax schedule: MN, ND,VT, and WV

Re: Social Security

HSouth — Wed, 05 Apr 2023 16:44:07 GMT

Thank you.

Re: Social Security

MonikaK1 — Wed, 05 Apr 2023 16:49:06 GMT

Whether or not your Social Security income is taxable depends on your total income, including your Social Security plus any other income, as explained by xmasbaby0 above.

Check your entries in TurboTax for other types of income received.

See also this TurboTax help article for more information regarding the taxability of Social Security income. TurboTax will calculate the taxable amount when you input all of your income.

@HSouth

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