SS is taxed up to 85%

来源: 柠檬椰子汁 于 2022-10-12 10:11:22 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (1036 bytes)
回答: 多谢！！！ 由 笑薇. 于 2022-10-12 09:57:20

https://smartasset.com/retirement/is-social-security-income-taxable

Since her household income is more than $44,000, chances are her SS will be taxed at 85%.  Not 100% of her SS is taxable. 

Therefore your formula would be  (401K withdrawal + 85% of SS + other income) < $109450

Of course only the income above $109450 would be taxed at 22%, e.g. if income is $100,000, only $550 (100,000-109450) would be taxed at 22%.   So she's free to experiment on how much 401K withdraw she could make to optimize her number for the future years. 

所有跟帖： 

• SS income 只交85％ 的税？ 看来名堂很多，需要学习。 -笑薇.- ♀ 给 笑薇. 发送悄悄话 笑薇. 的博客首页 (0 bytes) () 10/12/2022 postreply 10:31:02

• "if income is $100,000, only $550 (100,000-109450) would be -笑薇.- ♀ 给 笑薇. 发送悄悄话 笑薇. 的博客首页 (74 bytes) () 10/12/2022 postreply 10:39:30

• sorry, 110K -柠檬椰子汁- ♂ 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 (0 bytes) () 10/12/2022 postreply 11:03:34

• 只有超出bracket 的部分纳下一个level 的税，看来很合理嘛。 -笑薇.- ♀ 给 笑薇. 发送悄悄话 笑薇. 的博客首页 (0 bytes) () 10/12/2022 postreply 10:42:06

• Yeah, that's why it's called marginal tax bracket -柠檬椰子汁- ♂ 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 (366 bytes) () 10/12/2022 postreply 11:15:27

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