2026 Social Security rules
Will working shrink your Social Security check?
If you claim before full retirement age and keep working, Social Security may hold back part of your benefit. See your 2026 estimate in seconds.
You stay under full retirement age for all of 2026
$100$4,200 / month
$0$200,000
2026 earnings limit: $24,480. Earn less than this and nothing is held back.
Your 2026 estimate
Your earnings are under the limit. Social Security would not hold back any of your benefit.
Full 2026 benefit
$0
12 checks
Estimated amount held back
$0
for 2026
Estimated benefit paid in 2026
$0
in 2026
Checks held back
0
months
Check held backCheck paidAt full retirement age (no limit)
Held back is not lost.
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- Your month-by-month 2026 check schedule
- How the math works, step by step
- What counts as earnings, and what doesn't
- How held-back benefits come back later
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Estimates only, based on the 2026 earnings limits published by the Social Security Administration. This tool assumes you receive benefits all 12 months of 2026 and uses the annual earnings test. A special monthly rule may apply in your first year of retirement (SSA: How Work Affects Your Benefits). This is education, not personalized tax, legal or investment advice. Longitude Financial Planning is a fee-only fiduciary practice.