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how-to-minimize-impact-of-social-security-taxes
How to Minimize Impact of Social Security Taxes

How to Minimize Impact of Social Security Taxes

Last updated: February 26, 2026 9:48 pm
By Javier Simon
1 Min Read
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Up to 85 percent of your Social Security benefits can be taxed—but smart planning may help you keep more.

How to Minimize Impact of Social Security Taxes

Social Security taxes depend on your combined income—and there are ways to reduce it. Vitalii Vodolazskyi/Shutterstock

Javier Simon

2/26/2026|Updated: 2/26/2026

After spending your entire life working hard and contributing to payroll taxes, you may be surprised to find that Uncle Sam could come to take a chunk off your Social Security benefits.

In fact, up to 85 percent of your Social Security retirement benefits could be taxed. But don’t fret. There are some key steps you can take in order to reduce the taxes on your Social Security paychecks or avoid them all together.

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