Why Two 65-Year-Old Couples Owe $4,600 vs $10,700 on $90,000 401(k) Withdrawals, Social Security, and Federal Income Tax

At a glanceReviewed October 21, 2026The 2026 senior deduction adds $12,000 for a married couple when both spouses qualify.Joint filers begin phasing out the senior deduction at $150,000 in income.The IRS worksheet counts $51,000 of the second couple’s $60,000 in benefits as income. Gerelyn Terzo’s…