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The general Social Security earnings-test limit in 2025 is $23,400 (up from $22,320 in 2024). ... So if you earn $200,000 a year, you won't pay Social Security taxes on your last $23,900 of income.
Social Security's earnings-test limits are rising in 2025. Currently, you can earn up to $22,320 without having your Social Security benefits withheld. In 2025, that threshold is increasing to ...
Income Limits 2024. Income Limits 2025. Benefit Reductions. If you're under FRA. $22,320 per year. $23,400 per year. $1 for every $2 over the limit. If you'll reach your FRA this year
For those reaching FRA in 2025: The earnings-test limit is higher for those reaching FRA. It will increase to $62,160 in 2025, up from $59,520 in 2024. ... High earners will pay Social Security ...
The increase in 2025 will perhaps have the biggest impact on those earning between $168,600 and $176,100 per year, as you'll face Social Security tax on income that wasn't previously taxed in 2024.
But Social Security's Trustees estimate the lower limit will increase to $23,280 (up from $22,320) and the upper limit will increase to $61,800 (up from $59,520).
You'll also have to consistently reach the maximum taxable earnings limit, which is the highest income subject to Social Security tax. Starting in 2025, that limit will be $176,100 per year.
This limit is the highest income subject to Social Security taxes, and you'll need to consistently reach this cap to earn the maximum possible benefit amount. In 2024, the limit is $168,600 per year.
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