Social Security Earnings Calculator 2026

2026 SSA Earnings Test

Social Security Earnings Calculator

Estimate your total pre-tax income if you wish to keep working while collecting Social Security Retirement Benefits prior to your Full Retirement Age (FRA).

Form SSA-EST-2026 ● ● ● Earnings Estimation Tool

Your information

Please select the appropriate scenario:

Monthly Social Security Benefit

Gross yearly wages

Month you reach FRA

Only wages earned before this month count toward the earnings test.

Month you start collecting

The monthly earnings test ($2,040 limit) applies from this month through December — or through your FRA month if you reach FRA this year.

Do you reach Full Retirement Age this same year?

No — I am under FRA all year Yes — I reach FRA this year

Which months will you earn $2,040 or less?

Check each month where you expect your wages to be $2,040 or less. You will receive your full Social Security benefit for those months. Leave a month unchecked if you expect to earn more — your benefit will be withheld that month. Please refer to href="https://www.ssa.gov/benefits/retirement/planner/rule.html" if you are self-employed.

Under $2,040 — full benefit paid

Over $2,040 — benefit withheld

Breakdown

Your Social Security benefit is fully withheld at this income level. You would receive $0 in benefits this year.

Total gross income

AlgorithmDoc created this application for demo purposes, using Claude.AI. No values are collected. Please validate results with a certified financial expert, and with the official Social Security government site.