소셜연금에 대한 세금 - ASK미국

z**fandel0**** 님 답변 답변일 9/29/2025 3:18:57 PM

3/2025부터
소셜연금을 매달 $2,194을 받고 있고
$2,194 x 10 ??? =21940.

$59,000 + (0.5 x $21940) = $69,970. (Combined Income)

is over the $44,000 threshold for couples filing jointly,
up to 85% of your 소셜연금 benefits are taxable.
Taxable Social Security: $21940 x 0.85 = $18,649.

AGI: $59,000 + $18,649. = $77.649

[For 2025, your household is eligible for multiple deductions
that will lower your taxable income:

Married filing jointly: $31,500.
Additional deduction for seniors: As you were born in 1955,
you turn 70 this year,
making you eligible for an extra $1,600 deduction for being over 65.

New senior deduction: Under the "One, Big, Beautiful Bill Act,"
taxpayers age 65 or older may claim an additional $6,000 deduction.

The full deduction is available for joint filers
with a modified AGI under $150,000.
Your combined income of $69,970. falls below this limit.]

Total standard deduction: $31,500 + $1,600 + $6,000 = $39,100.

z**fandel0**** 님 답변 답변일 9/29/2025 3:20:34 PM

Taxable income
$77.649 (AGI) - $39,100 (Standard Deduction) =$38,549.

s**rnoffsan16**** 님 답변 답변일 9/29/2025 3:58:18 PM

Based on the 2025 federal tax brackets for those filing jointly,
the estimated federal tax on a taxable income of $38,549 would be

Tax on the first $23,850 at 10%: $2,385.00
Tax on the income over $23,850 at 12%: $1,763.88

Total tax amount: $4,148.88. <- - -

Total tax amount: $2,385 + 12% of ($38,549 - $23,850) = $2,385 + $1,763.88 = $4,148.88.
Total tax amount (using the IRS method): $2,385 + 12% of ($38,549-$23,850)
= $2,385 + 12% of $14,699 = $2,385 + $1,763.88 = $4,148.88.

s**rnoffsan16**** 님 답변 답변일 9/29/2025 4:01:49 PM

NOTE: "Combined income" includes your adjusted gross income,
tax-exempt interest income, and one-half of your annual Social Security benefits.

https://www.ssa.gov/faqs/en/questions/KA-02471.html <- - -자세한 정보 참고하세요.

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