How Much of My Social Security Benefit May Be Taxed?

Did you know that up to 85% of your Social Security Benefits may be subject to income tax? If this is the case, you may want to consider repositioning some of your other income to minimize how much of your Social Security benefit may be taxed and then, maximize your retirement income sources.
Income and Tax Information
Tax filing status 
Marginal tax bracket (%)help
Calculating 'Modified' Adjusted Gross Income
Long-term capital gains/losses (-) ($) 
Short-term capital gains/losses (-) ($) 
Dividends ($) 
Taxable interest ($) 
Tax-free interest ($) 
Pension benefits ($) 
Taxable IRA distributions ($) 
Other taxable income ($) 
Wages ($) 
Self-employed income/loss (-) ($) 
Deductible IRA contributions ($) 
Social Security Benefits
Social Security received ($) 
No bank guarantee • Not a deposit • Not FDIC/NCUA insured
May lose value • Not insured by any federal government agency

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues.

The results and explanations generated by this calculator may vary due to user input and assumptions. Pacific Life does not guarantee the accuracy of the calculations, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only and ultimately seek the guidance of an experienced professional. CalcXML, the provider of this information and interactive calculator, is an independent third-party and is not affiliated with Pacific Life.


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