2026 Rules · IRS Official Limits
Social Security
Earnings Test
See how earned income reduces your benefit before Full Retirement Age
Under Full Retirement Age — entire year 2026
$100
$5,200 / mo
$0
$150,000
2026 exempt amount: $24,480 — earnings below this cause no reduction
Annual Impact
Your income is below the exempt amount — no benefit reduction applies.
Annual SS Benefit
(before reduction)
(before reduction)
$18,000
$1,500 × 12 mo
Benefits
You Receive
You Receive
—
~$— / mo avg
Full benefit
$18,000
You receive
$18,000
Withheld
$0
These benefits aren't lost forever. Once you reach Full Retirement Age, the SSA permanently increases your monthly payment to recoup withheld amounts over time.
Estimates only. Consult a financial advisor for personalized guidance. Source: SSA.gov 2026 Exempt Amounts.