Social Security benefits are taxed depending on your total income from all sources. Here is how to calculate how much of your Social Security benefits is taxable.
Provisional income is your total worldwide income, including tax-exempt income, plus half of your Social Security benefits.
These base amounts are used in figuring the taxable portion of your Social Security benefits for tax years 2017 and 2018.
| Filing status | Base amount | Additional amount |
| Single | $25,000 | $34,000 |
| Head of Household | $25,000 | $34,000 |
| Qualifying Widow(er) | $25,000 | $34,000 |
| Married Filing Jointly | $32,000 | $44,000 |
| Married Filing Separately | $0 |
Although a majority of states exclude Social Security income from taxation, five states will also tax up to 85 percent of your benefits as of January 2018: Rhode Island, Vermont, North Dakota, West Virginia, and Minnesota.
Eight other states—Utah, Nebraska, New Mexico, Montana, Missouri, Kansas, Connecticut and Colorado—also tax Social Security benefits to some extent but they offer some breaks based on your age and income level. If you live in any of these tax jurisdictions, don’t neglect to plan for state taxes as well.
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