Retirement Tax Estimator

See how much of your Social Security is actually taxable and estimate your 2026 federal tax bill — including the new $6,000 senior deduction most retirees haven't heard about yet.

Nothing you enter is saved or shared Takes about 2 minutes 2026 IRS brackets & OBBBA rules

Step 1 of 1

Tell us about your income

Filing status

Single

Married filing jointly

Who is 65 or older?

You

Annual Social Security benefits

Total for the year, both spouses combined if married.

Other annual taxable income

Pensions, 401(k)/IRA withdrawals, wages, taxable interest & dividends.

Tax-exempt interest (optional)

Municipal bond interest — not taxed directly, but it counts toward whether your Social Security is taxable.

Your state (optional)

This estimate is federal-only either way — but if your state has no income tax at all, we'll tell you that plainly.

This runs entirely in your browser. We don't collect, store, or transmit anything you type here.

How much of your Social Security is taxable

Ways to lower this

Calculate your RMD

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This estimator uses 2026 IRS tax brackets, standard deduction amounts, and the OBBBA senior deductions, applying the standard Social Security taxability worksheet. All dollar figures shown are federal only. If you select a state with no income tax at all (verified current for 2026), we'll tell you that plainly since it meaningfully changes your total picture — for the other 41 states, treatment of retirement income varies too much by state to estimate safely here. This does not account for itemized deductions, capital gains rates, or every credit and phase-out that could apply to your return. It is for informational purposes only, is not tax advice, and is not affiliated with the IRS. Confirm your numbers with a tax professional or IRS Free File before filing.