Social Security Tax Explained – How to Do the Math & How It Affects Your Roth Conversions

In this video, Erik Soderborg and Zacc Call walk you step by step through how to determine exactly how much of your Social Security income will be taxable.

Be sure to download the Free Social Security Taxability Worksheet to follow along with us.

Get it here: https://theretirementnerds.com/social-security-worksheet/

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ZACC'S CHANNEL: https://www.youtube.com/@ZaccMoneyEducation

Many retirees don’t realize that between 0% and 85% of their benefits can be taxed depending on their income level. Zacc shows you how to run the calculation yourself so you’ll know what to expect.

📌 What you’ll learn in this video:

The formula used to calculate taxable Social Security income

What counts as “provisional income”

Examples that show when 0%, 50%, or up to 85% of benefits are taxed

How other income sources affect your Social Security tax bill

If you’re retired or planning for retirement, this walkthrough will help you avoid surprises at tax time and make better financial decisions.

Check out our resources at https://TheRetirementNerds.com/

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⏰ TIME CODES ⏰

0:00 Intro

0:24 Purpose of Spreadsheet

1:02 Which Boxes to Fill Out

3:45 How Much SS is Taxable

5:16 Deductions

7:10 Far Right Grid Explanation

8:57 Itemized Deductions

9:44 Tax Tornado Table

13:37 Roth Conversion Opportunities

15:50 Middle Chart Explanations

18:06 Filing Status Matters

19:49 What this Does NOT Do

20:50 Where to Get Help

#socialsecurity #theretirementnerds #socialsecuritytax #retirementnerds #finance #zacccall

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