{
  "title": "2027 Social Security Earnings Test Limits",
  "canonical": "https://quantcalc.app/social-security-earnings-test-2027/",
  "base_year": 2026,
  "target_year": 2027,
  "license": "CC-BY-4.0",
  "date_modified": "2026-09-19",
  "projection_factor": 0.030600000000000002,
  "projection_factor_label": "+3.06%",
  "status_vocabulary": {
    "OFFICIAL": "Published by the responsible agency for 2027.",
    "PROJECTED": "A QuantCalc projection under the statutory indexing formula; the agency has not published a 2027 figure.",
    "UNCHANGED": "2027 equals 2026 as a matter of regulation or statute — nothing is being forecast.",
    "NOT YET ANNOUNCED": "No 2027 figure exists yet, from anyone, and this dataset does not invent one."
  },
  "family": {
    "statute": "42 U.S.C. §403(f)(8)",
    "index": "National Average Wage Index (AWI) — NOT the CPI series used for the COLA",
    "rounding": "Rounded to the nearest multiple of $120 (so the monthly figure is a whole dollar).",
    "source": "https://www.ssa.gov/oact/cola/rtea.html",
    "sourceLabel": "SSA Office of the Chief Actuary, retirement earnings test exempt amounts",
    "notProjected": "These amounts track the national average wage index, not a consumer price index. We publish a C-CPI-U projection for IRS figures because the determining price prints are already public; no comparable AWI print for the determining year is published before SSA announces, so projecting one would be inventing a wage forecast rather than applying a formula. SSA announces alongside the COLA in mid-October.",
    "title": "Social Security retirement earnings test exempt amounts"
  },
  "rows": [
    {
      "label": "Under full retirement age all year",
      "scope": "$1 of benefits withheld for every $2 earned above the limit",
      "v26": "$24,480",
      "v27": "Not yet announced",
      "status": "NOT YET ANNOUNCED",
      "numeric": {
        "v26": 24480,
        "v27": null
      }
    },
    {
      "label": "Year you reach full retirement age (months before the birthday month)",
      "scope": "$1 of benefits withheld for every $3 earned above the limit",
      "v26": "$65,160",
      "v27": "Not yet announced",
      "status": "NOT YET ANNOUNCED",
      "numeric": {
        "v26": 65160,
        "v27": null
      }
    },
    {
      "label": "From the month you reach full retirement age",
      "scope": "No limit — earnings no longer reduce benefits",
      "v26": "No limit",
      "v27": "No limit",
      "status": "UNCHANGED",
      "numeric": {
        "v26": null,
        "v27": null
      }
    }
  ]
}