Social Security Checks Face $24,480 Test for Early Filers in 2026
Americans claiming Social Security before full retirement age in 2026 face benefit reductions if earnings exceed $24,480, with $1 withheld for every $2 over the limit. The cap rises to $65,160 in the year full retirement age is reached. Wages and self-employment income count, but investment income does not. Withheld benefits are recalculated at full retirement age.