FREE 2026 CALCULATOR · AGES 62-66

Working While Collecting Social Security
The 2026 Earnings Test

Claim Social Security before your Full Retirement Age (67) and keep working — SSA withholds part of your benefit. See exactly how much, plus the tax stack on top.

Free. No login. Built by a 501(c)(3) nonprofit.

Your Numbers

2026 amounts. We never store your data.

About You

Earnings test only applies before FRA (67). At 67+, earn unlimited income with zero withholding.

Social Security

$

Earned Income (2026)

$
$

Only wages + self-employment count toward the earnings test. Pensions / IRA / dividends do NOT count.

Other Taxable Income (2026)

$
$

Email Me This Report (optional)

Your Earnings Test Result

Updates live as you change inputs.
Annual SS Withheld by Earnings Test
$0
0% of your annual benefit
Annual SS benefit (gross)
$26,400
Earnings above the limit
$0
Withholding rate
N/A
Months SS withheld
0
SS benefit you actually receive
$26,400

Tax Stack on Top

Provisional income
$0
% of SS that becomes taxable
0%
Taxable SS portion
$0
Total taxable income
$0
Estimated federal tax
$0
Net SS (after withhold + tax)
$0
Enter your info on the left to see your result.

Withholding is not lost. At FRA, SSA recomputes your benefit upward to credit back the withheld months. Federal tax estimated using 2026 projected brackets and standard deduction. State tax not included (CA exempts SS from state tax).