Social Security earnings limits 2026
If you claim retirement benefits before full retirement age (FRA), SSA may withhold benefits when earnings exceed annual limits.
2026 retirement earnings test
verified 2026-07-30| Situation | Annual | ≈ Monthly |
|---|---|---|
| Under FRA all year | $24,480 | $2,040 |
| Year you reach FRA | $65,160 | $5,430 |
After you reach FRA, the earnings test no longer applies. Withholding formulas ($1 for $2 under FRA; $1 for $3 in the FRA year above the higher limit) are set by SSA.
Figures as commonly published for 2026 — confirm: SSA earnings test / working while receiving benefits.