2028 Social Security Bend Points: $1,413 (Projected)
A clearly labelled wage-growth planning scenario, pending SSA’s determination.
Projected
First PIA bend point
$1,413
Three portions of AIME.
PIA uses 90% of the first $1,413, 32% from that point to $8,517, and 15% of the amount above the second point. Use the bend points for the year a worker first becomes eligible, not any later claiming year.
Compare claiming ages| Year | Primary amount | Second bend point | Status |
|---|---|---|---|
| 2024 | $1,174 | $7,078 | Official |
| 2025 | $1,226 | $7,391 | Official |
| 2026 | $1,286 | $7,749 | Official |
| 2027 | $1,348 | $8,124 | Projected |
| 2028 | $1,413 | $8,517 | Projected |
Questions, answered.
Is the 2028 amount announced?
No. It is a planning extrapolation of the last official values. SSA indexes wage-based amounts separately from the COLA.
Does investment income count toward the earnings test?
The retirement earnings test generally uses wages and net self-employment earnings, not pensions or investment income. Taxation of Social Security is a separate calculation.
Is the wage base my retirement benefit?
No. It is the earnings ceiling for the Social Security payroll-tax portion. PIA uses indexed earnings and bend points; claiming age then changes the payment.
Does the COLA set all these limits?
No. Wage-base, earnings-test and bend-point changes use wage-indexing rules. COLA uses CPI-W. Future projections must keep those assumptions separate.
Check the sources.
Data checked October 1, 2026.