CALCMONEY // SOCIAL SECURITY // CT
Connecticut taxes Social Security benefits at up to 7.0%. On the average benefit of $22,800/yr with $40K other income, that adds $1,594/yr in state tax.
Calculate SS BenefitsYes
$1,900
$3,822/mo
$1,594/yr
| Other Income | Federal SS Tax | CT State Tax | Net SS Income |
|---|---|---|---|
| $20,000/yr other | $0 | $1,594 | $21,206 |
| $40,000/yr other | $4,264 | $1,594 | $16,943 |
| $60,000/yr other | $4,264 | $1,594 | $16,943 |
| $80,000/yr other | $4,264 | $1,594 | $16,943 |
At the federal level, up to 85% of Social Security benefits are taxable if your provisional income exceeds $34,000 (single) or $44,000 (married). Provisional income is your adjusted gross income plus tax-exempt interest plus half your SS benefit.
Connecticut adds state income tax on Social Security benefits on top of federal. At a $1,900/month benefit ($22,800/year) with $40,000 in other retirement income, the CT state tax on SS is $1,594/year. Roth conversions before retirement can lower provisional income and reduce federal SS taxation.
The 2026 maximum Social Security benefit at Full Retirement Age is $3,822/month ($45,864/year). Delaying to age 70 increases benefits by 8%/year past FRA, resulting in a $4,739/month maximum. The break-even age for delaying from 62 to 70 is typically around 81.