Full question: I’m 66 years old and my full retirement age will be September 2026. How much money can I earn starting in January 2026 without being penalized?

Hi there,

If you are planning to continue working, and also begin collecting retirement benefits prior to your FRA, you will be subject to the Retirement Earnings Test. In 2026, the SSA retirement earnings limit for individuals reaching FRA in 2026 is $65,160 until the month of FRA, with $1 withheld for every $3 earned above it.

Here is a calculator.

For personalized assistance, you can work with an RSSA.

Take care,
Martha

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