Retirement math, made plain.
RetireTally builds simple calculators and clear explanations for the retirement questions people actually ask — starting with: “If I work while collecting Social Security, how much will they hold back?”
Social Security earnings test calculator (2026)
Under full retirement age and still working? Enter a few numbers to see which limit applies, whether SSA would withhold any benefits, and roughly which months.
Full explanation, examples and FAQ: How the Social Security earnings test works.
The 2026 numbers at a glance
$24,480
SSA withholds $1 for every $2 you earn above this.
$65,160
$1 for every $3 above this, counting only earnings before the month you reach full retirement age.
No limit
Earn any amount — your benefits aren't reduced for work.
Sources: SSA, Exempt Amounts Under the Earnings Test; Receiving Benefits While Working.
Why RetireTally?
Sourced, not guessed
Every figure comes straight from ssa.gov, with a link so you can check it yourself.
Plain English
We explain the rules the way you'd explain them to a friend — no jargon, no sales pitch.
Private by design
Calculators run entirely in your browser. Nothing you type is sent to us or stored.
Earnings-test tracker spreadsheet
A simple month-by-month spreadsheet (and printable PDF) to tally your earnings against SSA's limit as the year goes on — so a surprise withholding letter isn't a surprise.
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What's next
More retirement tools, plain-English articles and a newsletter are on the way. RetireTally provides information and tools only — never personal advice.