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Index/Topics/Social Security Taxability

Social Security Taxability

The taxability of Social Security benefits and how it is affected by IRA withdrawals and conversions

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Jan 20, 2026

How do IRA withdrawals and Roth conversions affect provisional income and Social Security taxes?

A retiree’s provisional (or combined) income — AGI + tax‑exempt interest + half of Social Security benefits — determines whether Social Security is taxable and up to what percentage; traditional IRA w...

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