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5 Ways to Avoid Taxes on Your Social Security Benefits

Whether your Social Security benefits are taxed, depends on your “provisional income.” Your provisional income is your adjusted gross income, not counting Social Security benefits, plus nontaxable interest and half of your Social Security benefits.

Here are a few strategies to help you keep your income below the cutoffs and reduce the portion of your benefits that is taxable:

For details on how to calculate your taxable Social Security benefits, see IRS Publication 915 and Social Security Benefits Planner: Income Taxes and Your Social Security Benefits.

Also find out whether the benefits are subject to state income taxes. Most states do not tax Social Security benefits, but 13 states do. See State-by-State Guide to Taxes on Retirees from

Adapted from article by: Kimberly Lankford


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