No taxes on Social Security

Forum|Forum|4 months ago
January 23, 2026
1 reply
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Hello -

When I entered my Social Security, the app showed no taxes due. Check.

When I added my 1099R, I was taxed on the full amount at the 12% rate. So my question is, if Social Security is not taxable is it included in my total taxable income? Something is off - we should have gotten the standard deduction of $34,700 and paid the tax on the difference between my 1099R and the $34,700. It's like I didn't get my standard deduction at all. Any help understanding this is appreciated.

Best answer by DoninGA

Expert Reviewed

Up to 85% of Social Security Retirement/Disability/Survivors benefits 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

Look at your Form 1040 -

You can view your Form 1040 plus Schedules 1, 2 and 3 at any time using the online editions. Click on Tax Tools on the left side of the online program screen. Click on Tools. Click on View Tax Summary. Click on Preview my 1040 on the left side of the screen.

DoninGA

Answer

Level 15

Expert Reviewed

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