不用那么复杂 看 Schwab 的解释

https://www.schwab.com/learn/story/social-security-is-taxable-how-to-minimize-taxes

重点

This total is your "combined income." If your combined income is more than $34,000 for singles or $44,000 for couples, up to 85% of your Social Security income may be taxed. 

你可以去精萛 Combined Income. 相信这儿的人极少能做到少於 44000 for couple 一年的.  不要忘记 no taxable interest and HALF of your SS benefit must add back to the AGI for the calculation of threshold amount.

即使不工作 你的AGI 除了401 k 和 IRA distribution, 还有 investment income from investment 然后再要加回 nontaxable interest and half of your SS to reach the final amount used as base to determine whether your SS is taxable up to 85%.

 除非你肯定以后完全没有 taxable investment income AND nontaxable interest income, 否则你的 SS 85% benefit 极大概率要交税

原文如下

To calculate your taxable Social Security benefit, first determine your adjusted gross income (AGI), which is your total taxable income. This might include money you make from:

• Employment
• Distributions from traditional 401(k) plans and traditional IRAs
• Taxable income from investments, such as stock dividends and interest from taxable accounts

Second, subtract any tax deductions to determine your AGI.

Finally, add two components to that AGI:

• You nontaxable interest
• Half the amount of your Social Security benefit

所有跟帖： 

• 4万4，能跑几个码头？对我来说，是一个半不到点。 -hhtt- ♂ (0 bytes) () 09/27/2023 postreply 07:52:16

• 关键是这个44000是减掉standard deduction以后的，所以实际combined income要多很多 -柠檬椰子汁- ♂ (128 bytes) () 09/27/2023 postreply 07:55:29

• 这个是從 AGI 為基础萛出来的 AGI 是 Before STD deduction 吧？ -goingplaces- ♀ (0 bytes) () 09/27/2023 postreply 08:04:27