Level 5

2025 taxable social security (separate returns)

Forum|Forum|4 months ago
February 3, 2026
1 reply
5 views

I am figuring separate returns for my clients (and joint returns). It is not doing the 85% taxable.

Has something changed for 2025?

ProSeries Tax

sjrcpa

Level 15

If they live together have you indicated that in the software?

The more I know the more I don’t know.

D

Debst99Author

Level 5

Yes, I did. I just figured it both ways. Joint is better because separate won't give the $12,000 senior deduction for both of them (over 65). Their total income is $123, 460 with social security totaling $70,800.

IRA's and pensions total $67,443. 85% of the social security equals $60,180 but their taxable social security is $56,017. I looked at the social security worksheet and it has the correct figures, but usually with income that high, it figures 85%. That is what I am concerned about.

Thank you for your time.

T

TaxGuyBill

Level 15

@Debst99 wrote:

IRA's and pensions total $67,443. 85% of the social security equals $60,180 but their taxable social security is $56,017.

Are all IRAs and pensions in one person's name?

If the one return doesn't have other income (or only has extremely minimal income), a lower percentage of the Social Security is taxed. With zero other income, only 42.5% of the Social Security is taxable (but it VERY quickly goes up if there is other income).

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