Question about Income Taxes and 2nd Social Security claim

[FiveDriver]

For 2024 Tax Planning purposes, my DW is just started her Social Security claim this past January. I know that they tax my SS amount up to the 85% limit.

How will they treat DW's annual amount next tax year ?

Is her total amount lumped together with my total SS and taxed at 85%

Or is it treated separately, in that her total will be less and maybe taxed at the lower rate ?

 

[SevenUp]

If MFJ, the combined SS amount is used. If yours is already 85% taxable, so will hers be.

See Tax estimation tools - Bogleheads if you want to do some planning.

 

[cathy63]

If you file married filing jointly, then the two SS amounts are added together. Use the worksheet on page 32 of the 1040 instructions to figure out how much of your SS benefits are taxable.

 

[FiveDriver]

Thank you Folks. Good to know when planning.