楼下"北回归线的阳光" 的关于 SS 税的帖子其实是对的。
以下是我的计算。
I assume 28% highest tax bracket for your family. Note: This is your highest tax bracket, not the effective tax bracket. For most of the engineers, 28% is reasonable.
I also assume that your combined SS benefit is around $53K.
Here is how much the additional tax caused by SS benefit.
You are multiplying 28% directly against SS benefit. That is not how tax brackets work. First there is no 28% tax bracket. Second, how tax bracket works, for married couples.
the first $19900 is taxed at 10%, the next $19900 to $81050 is taxed at 12%, from $81050 to 172750 is taxed at 22%.
If you got 64K in other income, 85% of SS is taxed. (pay $12600 for SS benefit alone)/This is the maximum tax you can pay on SSN benefit
If you got 60K in other income, 80% of SS is taxed. (pay $11795 for SS benefit alone) ($2380 more than line below)
If you got 50K in other income, 63.4% of SS is taxed. (pay $9415 for SS benefit alone)
If you got 40K in other income, 47.4.4% of SS is taxed. (pay $7035 for SS benefit alone)
If you got 30K in other income, 31.4% of SS is taxed. (pay $4655 for SS benefit alone)
If you got 20K in other income, 15.3% of SS is taxed. (pay $2275 for SS benefit alone)
If you got 10K in other income, 4.2% of SS is taxed. (pay $630 for SS benefit alone)
If you got 00 in other income, 0% of SS is taxed. (pay $0 for SS benefit alone)
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This means: For extra $60K income (other than SS benefit), you're going to not only pay 28% income tax on that, (wrong again, that's not how tax bracket works, see comment above) you will also have to pay additional $11795 on your SS benefit. This means your effective tax rate for the additional $60K income is 28%+ 19.65%= 48%. (I don't know where 19.65% come from, so I give up).
Or in another word, for the additional $60K income, you can only keep $32K.
