what is the maximum income before SS benefits are reduced in 2026
In 2026, the Social Security earnings limit is $24,480 per year if you are under full retirement age ; above that, benefits are reduced by $1 for every $2 you earn over the limit.
If you reach full retirement age in 2026 , the limit is $65,160 for earnings before the month you reach that age, and benefits are reduced by $1 for every $3 over the limit.
Important detail
Once you are at full retirement age , there is no earnings limit and your Social Security retirement benefits are not reduced because of work income.
2026 limits at a glance
| Situation | 2026 earnings limit | How benefits are reduced |
|---|---|---|
| Under full retirement age all year | $24,480 | $1 withheld for every $2 over the limit |
| Reach full retirement age in 2026 | $65,160 | $1 withheld for every $3 over the limit, until the month you reach full retirement age |
| At full retirement age or older | No limit | No reduction for earnings |
Quick example
If you are under full retirement age and earn $30,000 in 2026, you are $5,520 over the limit. Social Security would withhold about $2,760 in benefits under the $1-for-$2 rule.
