24Help.org Benefits Calculator

Can I Work AND Collect
Social Security?

Find out if your earnings may reduce your benefits — and by how much.

The 3 Earning Zones (2026)

Under FRA All Year $24,480/year
$1 withheld per $2 over  •  Monthly: $2,040/month
Year You Reach FRA $65,160/year
$1 withheld per $3 over  •  Monthly: $5,430/month  •  Only months BEFORE your FRA birthday count
At FRA or Older No limit!
Earn whatever you want

Your Situation

$
$
COUNTS
Wages (W-2)
Self-employment income
Bonuses & commissions
Vacation pay
DOES NOT COUNT
Pensions
401(k)/IRA withdrawals
Investment income
Rental income
Veterans benefits
Interest & dividends

2026 Quick Reference

Your Age Annual Limit Monthly Limit Withholding
Under FRA all year $24,480 $2,040 $1 per $2 over
Year you reach FRA $65,160 $5,430 $1 per $3 over
At FRA or older No limit No limit None
Disclaimer: This calculator provides estimates based on 2026 Social Security Annual Earnings Test rules as published by the Social Security Administration. Actual results may vary based on timing, type of income, and individual circumstances. This tool is for educational purposes only and does not constitute financial, legal, or tax advice. For official calculations and to report earnings, contact Social Security at 1-800-772-1213 or visit ssa.gov. Self-employment income has additional rules not fully modeled here. © 2026 24Help.org