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đ Your Information
Please enter your date of birth and expected earnings for 2025.
đ Annual Earnings Check
Let's check if your earnings exceed the annual limit for 2025.
đ Monthly Earnings Assessment
Let's check if you qualify under the monthly earnings test.
âšī¸ Monthly Earnings Limit for 2025
Social Security allows you to receive benefits in any month your earnings are below $1,950, regardless of your annual earnings.
Important: Only earnings after you start receiving benefits count toward the earnings test.
â° Important Reminder About Benefit Timing
Social Security benefits are paid one month after you're entitled to them. For example:
- If you start benefits in January, you'll receive your first payment in February.
- The monthly earnings test applies to January (the month you're entitled to benefits), not February (when you receive the payment).
đ How Benefits Are Withheld
If your earnings exceed the limits, Social Security will withhold some of your benefits:
- If you're under full retirement age for the entire year: $1 in benefits will be withheld for every $2 you earn above $23,400.
- In the year you reach full retirement age: $1 in benefits will be withheld for every $3 you earn above $62,160, but only for months before you reach full retirement age.
Once you reach full retirement age, there is no limit on your earnings.
đ¯ Your Results
Based on the information you provided, here's what you can expect regarding your Social Security benefits while working.
Your Information Summary
Benefit Comparison
đĄ Personalized Recommendations
Disclaimer: This calculator provides estimates based on the 2025 Social Security Administration policies. For official determinations, please contact the Social Security Administration directly at 1-800-772-1213 or visit www.ssa.gov.
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