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full retirement age 2026

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Table of the 2026 Social Security earnings test limits: $24,480 under full retirement age, $65,160 in the year you reach it, and no limit after

Working While Collecting Social Security in 2026: The Earnings Test, Worked Examples and What Happens at Full Retirement Age

Khasim Basha Shaik By Khasim Basha Shaik
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7 Min Read

If you claim Social Security before full retirement age and keep working, the earnings test can hold back part of your benefit. Here are the 2026 limits, what counts as earnings, three worked examples, and why the withheld money isn't lost.