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Social Security 1099

How to read Form SSA-1099, where each box goes on your return, how Medicare premiums and withholding show up, and a calculator.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

Social security 1099 net benefits and withholding calculator

Box 3: benefits paid in 2026 ($)Box 4: benefits repaid ($)Withholding you chose (Form W-4V)Medicare premiums deducted each month ($)

Box 5: net benefits (Form 1040 line 6a)

–

–Box 6: federal tax withheld (line 25b)

–Medicare premiums withheld in the year

–Cash you actually received

Reading your social security 1099

The SSA mails Form SSA-1099 each January (you can also download it from your my Social Security account). The boxes that matter:

Box 3: total benefits paid in the year, including amounts withheld for Medicare premiums, so it's usually more than the cash you received.
Box 4: benefits you repaid, for example after an overpayment.
Box 5: net benefits (Box 3 minus Box 4). This goes on Form 1040 line 6a.
Box 6: voluntary federal income tax withheld. It goes on line 25b.

The 2026 standard Part B premium is $202.90 a month; if it's taken from your check it's included in Box 3. To have tax withheld, file Form W-4V with the SSA, choosing 7%, 10%, 12% or 22%.

How much of Box 5 is taxable?

Up to 85% of Box 5 is taxable when your combined income (AGI + tax-exempt interest + half of benefits) exceeds $25,000 single or $32,000 joint. People 65 and older can also claim the $6,000 senior deduction for 2025–2028, which phases out above $75,000 of MAGI ($150,000 joint). Work out the taxable part with do you pay tax on Social Security.

Common questions

Where do net benefits from the SSA-1099 go on Form 1040?

Line 6a. The taxable part goes on line 6b.

Why is Box 3 higher than the money I received?

It includes Medicare premiums and other amounts withheld from your benefits.

How do I get my SSA-1099 online?

Download it from your my Social Security account.

Sources

More paycheck and tax calculators: S Corp · Short Term Disability Insurance · SS4 Form · State Income Tax Rates 2026 by State + No-Tax States

General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.