My only income is money I withdraw from my IRA - I have no W-2 income. I will not take social security until my FRA. Will my social security benefit be taxed based on my IRA withdrawal?

Hi. What determines whether or not any of your Social Security benefits are taxable is your combined annual income, which includes a) your federal adjusted gross income (AGI), plus b) your nontaxable interest income, plus c) 50% of the amount of the Social Security benefits you received. If the total amount is more than $25,000 for an individual or more than $32,000 for a married couple, then part of the person's Social Security benefit income would be taxable. The taxable portion of the Social Security income can vary from 50% to 85% depending on the person's total combined income amount (https://www.ssa.gov/benefits/retirement/planner/taxes.html).

I'm not an expert on IRS regulations, but assuming that your IRA withdrawals are reported on your tax return as part of your AGI or as nontaxable interest, then that income will count when determining how much if any of your Social Security benefits are taxable.

Best, Jerry