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Calculating Taxable Portion of Social Security? – Issues and Potential Errors – Pralana Retirement Calculator Forum
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Calculating Taxable Portion of Social Security?

Issues and Potential Errors

Last Post by Peter Knupfer 4 years ago

3 Posts

2 Users

0 Likes

427 Views

(@docfiddle)

Eminent Member Customer

Joined: 6 years ago

Posts: 28

Topic starter January 3, 2023 12:50 pm

I confess that something as simple as PRC Gold's figuring of taxable social security income has been perplexing me. My and my spouse's benefits are now fixed + COLA (ie we're both claiming full benefits @70), but when I calculate the taxable portion of our benefits using the instructions and worksheets at IRS, my numbers always come out very different from PRC's. It would help me to know exactly which inputs influence PRC's calculation.

In fact, if it were possible to include a glossary or appendix in the manual that provides a list of inputs to various outputs, many numbers in the Tabular Projections would make more sense and be traceable to their sources. I realize that the complexity of the tool might make this prohibitive, but at some point or other in its development, somebody did actually define those relationships.

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Social Security

Bill Hines, Advice-Only Flat-F...

(@hines202)

Reputable Member Customer

Joined: 6 years ago

Posts: 321

January 5, 2023 6:00 am

Have you cross-checked by using another calculator? Some are rudimentary, so be careful there. Here's one:

https://www.dinkytown.net/java/social-security-taxable-benefits.html

There are a few more as well.

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(@docfiddle)

Eminent Member Customer

Joined: 6 years ago

Posts: 28

Topic starter January 16, 2023 2:02 pm

@hines202 Yes, and I've never gotten anywhere near PRC's number. It would simply help if the manual told us what inputs are used for its calculation of the taxable portion of SS. I don't know what numbers are contributing to its result.

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