Social Security Earnings Limit Calculator
Estimate annual benefits withheld for earned income before full retirement age.
Example estimate
Estimated annual benefits withheld
$2,760.00
- Annual benefits remaining
- $21,240.00
- Earned-income limit
- $24,480
- Data status
- Official
An illustrative calculation. Review the assumptions below before using the result.
An annual estimate of withholding
Only earned income counts here. Before FRA, withholding is $1 per $2 above the lower limit. In the FRA year it is $1 per $3 above the higher limit, using only earnings before the FRA month. At or after FRA the retirement earnings test ends. SSA may withhold whole checks and later recompute benefits; first-year monthly exceptions are not modeled.
Questions, answered.
Does this use my personal records?
No. Enter amounts or assumptions only. The site cannot retrieve an SSA earnings record, bank account, pension award or tax return.
Can I calculate with JavaScript turned off?
Yes. Each form sends a standard GET request and PHP calculates the result. JavaScript only improves the update and consent experience.
Why do the official numbers differ from my result?
Individual eligibility, exact dates, rounding, deductions and rules omitted from a simplified scenario can change the amount. Check the source and your own agency notice.
Can I print the calculation?
Use your browser’s print command. The inputs, result and assumptions remain; navigation and consent controls are removed from the printed view.
Check the sources.
Data checked October 1, 2026.