Social Security - Earnings Limit Test - Calculator

Social Security Earnings Test (2026)

A simple estimate of how wages may reduce Social Security benefits before Full Retirement Age (FRA).

Your Information

Enter your birthdate, claiming year, estimated wages, and monthly benefit.

Wages only (W-2 wages). Other income does not count here.

Birth Year

Birth Month

Claiming Year

Default is 2026.

Monthly Benefit (before earnings test)

Enter your expected monthly benefit when you claim (PIA if claiming at FRA).

Annual Wages (2026)

Wages are used to test the earnings limit.

Optional: Monthly test (first year rule)
Helps if you retired mid-year. We’ll check wages month-by-month to find payable months.

Monthly Wages (2026)

Enter wages for each month (if using the monthly test).

Month	Wages	Payable?

2026 monthly limits: under FRA $2,040/mo; FRA year (before FRA month) $5,430/mo. FRA month and after: no earnings limit.