At What Age Is Social Security Not Taxable? (2024)

Yes. The rules for taxing benefits do not change as a person gets older.Whether or not your Social Security payments are taxed is determined by your income level — specifically, what the Internal Revenue Service calls your “provisional income.”

Provisional income isadjusted gross income (line 11 on your 1040 tax form) plus tax-exempt interest income plus 50 percent of your Social Security payments. Ifthose add up to more than$25,000for an individual or$32,000or a married couple filingjointly, you pay federal taxes on a portion of your benefits, regardless of your age.

See Also

I'm a Senior. Will I Owe Social Security Taxes?Social Security Rules for Married and Divorced People | J.P. MorganAre Spousal Social Security Benefits Taxable?Is Social Security Taxable? (2024 Update)

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Here's the Average Social Security Benefit at Ages 62 and 66 | The Motley Fool

That includesspousal,survivoranddisability benefitsas well as retirement benefits.Supplemental Security Income— monthly cash assistance for low-income disabled, blind and older people that is administered but not funded by Social Security— is not taxable.

Keep in mind

People who keep working after retirement will continue to pay FICA taxes on their income as well.