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The Social Security Earnings Limit Just Changed, Here’s the New Number

August 5, 2026 · Personal Finance

A professional infographic photograph featuring a declining red arrow chart overlaid on official Social Security documents and forms.

The New 2026 Earnings Limit Numbers

There are two different limits for 2026, and which one applies to you depends entirely on whether you’ll reach full retirement age this year.

If you’re under full retirement age for all of 2026: The earnings limit is $24,480 for the year (about $2,040 a month). If you earn more than that, Social Security withholds $1 in benefits for every $2 you earn above the limit.

If you’ll reach full retirement age at some point during 2026: The limit jumps to $65,160, and the withholding rate is less severe, $1 withheld for every $3 earned over that amount. Importantly, this higher limit only counts your earnings from January through the month before you actually turn full retirement age. Once you hit that birthday month, the earnings test stops applying entirely for the rest of the year.

If you’re already at full retirement age or older for the entire year: There’s no limit at all. You can earn any amount, from any source, and keep 100% of your Social Security benefit.

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9 comments on “The Social Security Earnings Limit Just Changed, Here’s the New Number”

  1. daniel kinney says:
    October 25, 2026 at 4:57 am

    Once he turns 67 you do not have to worry about how much money you can make and not be penalized if you were 65 you would get penalized but not 67

    Reply
  2. Cecilia Todd says:
    October 20, 2026 at 1:34 pm

    I applied for social security on 9/30 26 I wanted my benefits to start in March. I Turn 67 in February of 2027. I received a letter telling me I will start receiving benefits on January of 2027. I work full time making more then the maximin allowed. How will this affect me.

    Reply
  3. Carolyn robinson says:
    September 27, 2026 at 2:31 am

    Dear staff I’m writing because I need extra fund to help with my bills because I’m not working how ever, those companies is lack of work right now thanks!

    Reply
  4. Dutch says:
    September 11, 2026 at 1:55 pm

    Social security dude, just as much as criminals as the government is. You pay into this system. So when you get to age, now, they change the age. Social security you suck you suck at what you do and then you try to tell the person who’s worked all their lives but they’re only allowed
    A certain amount of money while they work. So what happens now? What happens when a person becomes 67 or boy? Just didn’t quite make it to 70 Cos. That’s what you’re really counting on. You counting on them not to make 70. So you can keep the money that they put into the social security to me. Social security is a big hoax. You grow up all your life thinking. Social security, it’s gonna be there at the end, but they’re not there to be there. At the end, they let the politicians take all the money that was there. And don’t even put the money back and then I got the nerve to tell the citizen we, the people that we don’t have a right. So if that, if I’d see this correctly, how is it that you have all the rights because the law says? So the laws were made up by men. And laws can be changed, just like they change the law of the age of retirement. They can change every other law. Social security doesn’t look out for people’s well beams, they only look out for their own pockets

    Reply
  5. Robert says:
    August 19, 2026 at 3:28 pm

    Thank you for the info I am 74 now its been a ruff couple of years. i work part time some times. to help with bills, But its ruff.

    Reply
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