How Supplemental Earnings Affect Your Social Security
Earning extra cash boosts your monthly budget, but early claimants must track federal earnings limitations.
The Social Security Administration (SSA) restricts wage earnings for retirees collecting benefits prior to Full Retirement Age.
In 2025, early beneficiaries can earn up to $23,400 annually ($1,950 monthly) before benefits face temporary withholding.
This annual earnings threshold rises to $24,480 in 2026.
For every $2 earned above the annual limit, the agency withholds $1 from your monthly benefits.
A separate, higher threshold applies during the specific calendar year you reach your Full Retirement Age.
That limit is $62,160 in 2025 and climbs to $65,160 in 2026, withholding $1 for every $3 exceeded.
Once you reach Full Retirement Age, all earnings limitations vanish permanently, allowing unlimited income with zero benefit reductions.
You can evaluate your personal claiming timetable using retirement calculators from the Consumer Financial Protection Bureau (CFPB).
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