Social Security Benefits Calculator
Estimate your monthly benefit at 62, full retirement age and 70, your lifetime totals and the break-even age. The benefit formula is federal; only state income tax depends on where you live, and just nine states tax benefits at all (eight from tax year 2026, when West Virginia's exemption is complete).
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Additional Details
Est. Monthly Benefit
Estimated • Based on your inputs
Est. Annual Benefit
$22,608.00
Delayed Benefit (Age 70)
$2,336.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How this calculator works
The benefit uses the Primary Insurance Amount formula with the 2026 bend points ($1,286 and $7,749) on an estimate of your Average Indexed Monthly Earnings from your highest 35 years, capped at the 2026 taxable maximum ($184,500). Claiming at 62 cuts the full-retirement-age benefit by about 30%; waiting to 70 raises it by about 24%. The taxable share follows the federal provisional-income thresholds ($25,000 single, $32,000 married filing jointly). Benefit rules are federal; only the state tax line depends on where you live, so it is a rate you enter.
Source: Social Security Administration; state revenue departments (state table) checked
States that tax Social Security benefits (tax year 2025)
Each row is the state revenue department's own rule for returns filed in 2026, read 2026-10-09. Not taxed: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, Wisconsin, Wyoming, and D.C.
| State | Exemption rule |
|---|---|
| Colorado | Age 65+: all taxable benefits subtracted. Age 55-64: all subtracted if AGI is $75,000 or less (single) or $95,000 (joint); otherwise a $20,000 cap shared with pensions. |
| Connecticut | Fully exempt when AGI is under $75,000 (single, married filing separately) or $100,000 (joint, head of household); above that a partial exemption from the DRS worksheet. |
| Minnesota | Full subtraction up to AGI of $84,490 (single, head of household) or $108,320 (joint); it shrinks 10% for each $4,000 above. An alternative method may give more. |
| Montana | Taxes the federally taxable amount, with no Social Security exclusion. Filers 65 and older subtract $5,660 from federal taxable income for tax year 2025 ($11,320 on a joint return when both spouses are 65+); the amount is indexed for inflation each year (Form 2, line 6). |
| New Mexico | Fully exempt when AGI is $100,000 or less (single), $150,000 (joint, head of household, surviving spouse) or $75,000 (married filing separately); none above. |
| Rhode Island | Taxable benefits exempt once you reach full retirement age, if federal AGI is under $107,000 (single, head of household) or $133,500 (joint). |
| Utah | Benefits are taxed, offset by a Social Security credit that phases out above modified AGI of $54,000 (single), $45,000 (married filing separately) or $90,000 (joint, head of household). |
| Vermont | Fully exempt up to AGI of $55,000 (single and other non-joint) or $70,000 (joint); partial up to $65,000 / $80,000; none above. |
| West Virginia | Fully exempt when federal AGI is $50,000 or less ($100,000 joint); above that, 65% of the federally taxable benefits is subtracted for tax year 2025. Fully exempt for everyone from tax year 2026. |
If your state is listed and your income is above its limit, enter the rate it would apply to your benefits in the calculator. Limits change each year; check the source before filing.
Frequently Asked Questions
Which states tax Social Security benefits?
For tax year 2025, nine: Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont, West Virginia. Most of them exempt retirees under an income limit, listed in the table below with each revenue department's own rule. The other 41 states and D.C. do not tax benefits; West Virginia joins them from tax year 2026.
Should I claim at 62, 67 or 70?
Claiming at 62 pays about 30% less a month for life; waiting to 70 pays about 24% more than at 67. The break-even age, where waiting has paid off in total, is usually around 80 to 82, so health and other income matter more than the formula.