IRA withdrawal

mfletcher002 — Wed, 22 Oct 2025 23:15:57 GMT

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?

Re: IRA withdrawal

KarenL — Thu, 23 Oct 2025 00:09:12 GMT

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.

topic IRA withdrawal in Retirement tax questions

IRA withdrawal

Re: IRA withdrawal