Your Situation
Enter your details to see how the earnings test affects your benefits — and what happens at your Full Retirement Age.
Determined automatically from your birth year.
From your SSA statement. This is your full benefit at FRA.
Your wages or self-employment income this year.
The age at which you plan to start collecting.
How long the earnings test applies to you.
📈 Your Earnings Test Results
Here's how the earnings test affects your monthly benefit — and what happens once you reach FRA.
Analyzing...
↻ The Repayment Story
Claim Early vs. Wait Until FRA
Cumulative lifetime benefits to age 85 under each scenario.
Important: The earnings test only applies to wages and self-employment income — not pensions, investments, rental income, or interest. Also note: in the year you reach FRA, the rules change — only earnings above a higher limit ($59,520 in 2024) are counted, and only $1 is withheld for every $3 earned above that limit.
This tool provides general educational information about the Social Security earnings test. It is not financial or legal advice. Earnings limits are updated annually by SSA. Always verify current limits at SSA.gov.