Max Income While Drawing Social Security 2025. In 2025, if you’re under full retirement age, the annual earnings limit is $22,320. To receive the highest social security payout, you must retire at 70 and have at least 35 working years, earning at least the maximum income amount for the year.
Social security withholds benefits if your earnings exceed a certain level, called a retirement earnings test exempt amount, and if you are under your nra. For 2025, the annual limit is $22,320, with $1 withheld for every $2 earned above this threshold.
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