Social Security Earnings Limits 2026: What Changed and Who's ...
Social Security’s 2026 update raises income limits but ends the monthly earnings test, changing how working retirees balance earnings and benefits.
mooloo.netThe 2026 earnings limit for Social Security reduces benefits if you work while receiving benefits if you earn while collecting, for those under full retirement age all year, the annual limit is about $24,480, with $1 withheld for every $2 earned above this amount; those reaching full retirement age in 2026, the limit is about $65,160, with $1 withheld for every $3 earned above that; after you reach full retirement age, there is no earnings limit. These figures reflect SSA updates for 2026 and the corresponding withholdings are temporary and may change future benefits. 2026 SSA earnings guidance to note and who's impacted include retirees planning to work while drawing benefits.