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Will My Retirement Job Affect My Social Security?

1. I plan to take Social Security:
EarlyAs soon as I reach full retirement ageAs late as possible (age 70)I don't know
2. My birth year is: 
Your full retirement age is 65. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 80.0%
62 + 1 month 80.6%
62 + 2 months 81.1%
62 + 3 months 81.7%
62 + 4 months 82.2%
62 + 5 months 82.8%
62 + 6 months 83.3%
62 + 7 months 83.9%
62 + 8 months 84.4%
62 + 9 months 85.0%
62 + 10 months 85.6%
62 + 11 months 86.1%
63 86.7%
63 + 1 month 87.2%
63 + 2 months 87.8%
63 + 3 months 88.3%
63 + 4 months 88.9%
63 + 5 months 89.4%
63 + 6 months 90.0%
63 + 7 months 90.6%
63 + 8 months 91.1%
63 + 9 months 91.7%
63 + 10 months 92.2%
63 + 11 months 92.8%
64 93.3%
64 + 1 month 93.9%
64 + 2 months 94.4%
64 + 3 months 95.0%
64 + 4 months 95.6%
64 + 5 months 96.1%
64 + 6 months 96.7%
64 + 7 months 97.2%
64 + 8 months 97.8%
64 + 9 months 98.3%
64 + 10 months 98.9%
64 + 11 months 99.4%
65 100.0%
Your full retirement age is 65 and 2 months. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 79.20%
62 + 1 month 79.6
62 + 2 months 80
62 + 3 months 80.6
62 + 4 months 81.1
62 + 5 months 81.7
62 + 6 months 82.2
62 + months 82.8
62 + 8 months 83.3
62 + 9 months 83.9
62 + 10 months 84.4
62 + 11 months 85
63 85.6
63 + 1 month 86.1
63 + 2 months 86.7
63 + 3 months 87.2
63 + 4 months 87.8
63 + 5 months 88.3
63 + 6 months 88.9
63 + 7 months 89.4
63 + 8 months 90
63 + 9 months 90.6
63 + 10 months 91.1
63 + 1 months 91.7
64 92.2
64 + 1 month 92.8
64 + 2 months 93.3
64 + 3 months 93.9
64 + 4 months 94.4
64 + 5 months 95
64 + 6 months 95.6
64 + 7 months 96.1
64 + 8 months 96.7
64 + 9 months 97.2
64 + 10 months 97.8
64 + 11 months 98.3
65 98.9
65 + 1 month 99.4
65 + 2 months 100
Your full retirement age is 65 and 4 months. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 78.30%
62 + 1 month 78.8
62 + 2 months 79.2
62 + 3 months 79.6
62 + 4 months 80
62 + 5 months 80.6
62 + 6 months 81.1
62 + 7 months 81.7
62 + 8 months 82.2
62 + 9 months 82.8
62 + 10 months 83.3
62 + 11 months 83.9
63 84.4
63 + 1 month 85
63 + 2 months 85.6
63 + 3 months 86.1
63 + 4 months 86.7
63 + 5 months 87.2
63 + 6 months 87.8
63 + 7 months 88.3
63 + 8 months 88.9
63 + 9 months 89.4
63 + 10 months 90
63 + 11 months 90.6
64 91.1
64 + 1 month 91.7
64 + 2 months 92.2
64 + 3 months 92.8
64 + 4 months 93.3
64 + 5 months 93.9
64 + 6 months 94.4
64 + 7 months 95
64 + 8 months 95.6
64 + 9 months 96.1
64 + 10 months 96.7
64 + 11 months 97.2
65 97.8
65 + 1 month 98.3
65 + 2 months 98.9
65 + 3 months 99.4
65 + 4 months 100
Your full retirement age is 65 and 6 months. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 77.50%
62 + 1 month 77.9
62 + 2 months 78.3
62 + 3 months 78.8
62 + 4 months 79.2
62 + 5 months 79.6
62 + 6 months 80
62 + 7 months 80.6
62 + 8 months 81.1
62 + 9 months 81.7
62 + 10 months 82.2
62 + 11 months 82.8
63 83.3
63 + 1 month 83.9
63 + 2 months 84.4
63 + 3 months 85
63 + 4 months 85.6
63 + 5 months 86.1
63 + 6 months 86.7
63 + 7 months 87.2
63 + 8 months 87.8
63 + 9 months 88.3
63 + 10 months 88.9
63 + 11 months 89.4
64 90
64 + 1 month 90.6
64 + 2 months 91.1
64 + 3 months 91.7
64 + 4 months 92.2
64 + 5 months 92.8
64 + 6 months 93.3
64 + 7 months 93.9
64 + 8 months 94.4
64 + 9 months 95
64 + 10 months 95.6
64 + 11 months 96.1
65 96.7
65 + 1 month 97.2
65 + 2 months 97.8
65 + 3 months 98.3
65 + 4 months 98.9
65 + 5 months 99.4
65 + 6 months 100
Your full retirement age is 65 and 8 months. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 76.70%
62 + 1 month 77.1
62 + 2 months 77.5
62 + 3 months 77.9
62 + 4 months 78.3
62 + 5 months 78.8
62 + 6 months 79.2
62 + 7 months 79.6
62 + 8 months 80
62 + 9 months 80.6
62 + 10 months 81.1
62 + 11 months 81.7
63 82.2
63 + 1 month 82.8
63 + 2 months 83.3
63 + 3 months 83.9
63 + 4 months 84.4
63 + 5 months 85
63 + 6 months 85.6
63 + 7 months 86.1
63 + 8 months 86.7
63 + 9 months 87.2
63 + 10 months 87.8
63 + 11 months 88.3
64 88.9
64 + 1 month 89.4
64 + 2 months 90
64 + 3 months 90.6
64 + 4 months 91.1
64 + 5 months 91.7
64 + 6 months 92.2
64 + 7 months 92.8
64 + 8 months 93.3
64 + 9 months 93.9
64 + 10 months 94.4
64 + 11 months 95
65 95.6
65 + 1 month 96.1
65 + 2 months 96.7
65 + 3 months 97.2
65 + 4 months 97.8
65 + 5 months 98.3
65 + 6 months 98.9
65 + 7 months 99.4
65 + 8 months 100
Your full retirement age is 65 and 10 months. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 75.80%
62 + 1 month 76.3
62 + 2 months 76.7
62 + 3 months 77.1
62 + 4 months 77.5
62 + months 77.9
62 + 6 months 78.3
62 + 7 months 78.8
62 + 8 months 79.2
62 + 9 months 79.6
62 + 10 months 80
62 + 11 months 80.6
63 81.1
63 + 1 month 81.7
63 + 2 months 82.2
63 + 3 months 82.8
63 + 4 months 83.3
63 + 5 months 83.9
63 + 6 months 84.4
63 + 7 months 85
63 + 8 months 85.6
63 + 9 months 86.1
63 + 10 months 86.7
63 + 11 months 87.2
64 87.8
64 + 1 month 88.3
64 + 2 months 88.9
64 + 3 months 89.4
64 + 4 months 90
64 + 5 months 90.6
64 + 6 months 91.1
64 + 7 months 91.7
64 + 8 months 92.2
64 + 9 months 92.8
64 + 10 months 93.3
64 + 11 months 93.9
65 94.4
65 + 1 month 95
65 + 2 months 95.6
65 + 3 months 96.1
65 + 4 months 96.7
65 + 5 months 97.2
65 + 6 months 97.8
65 + 7 months 98.3
65 + 8 months 98.9
65 + 9 months 99.4
65 + 10 months 100
Your full retirement age is 66. 

You may earn as much as you wish in your retirement job.  Your social security benefits will not be reduced.  

If you are reaching your full retirement age DURING this year, you can earn up to $46,920 with no penalty. Your benefits are reduced by $1 for every $3 earned over the limit. For example, if your retirement job pays $50,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,547 (about 13%) to $10,453.   It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 75.00%
62 + 1 month 75.4
62 + 2 months 75.8
62 + 3 months 76.3
62 + 4 months 76.7
62 + 5 months 77.1
62 + 6 months 77.5
62 + 7 months 77.9
62 + 8 months 78.3
62 + 9 months 78.8
62 + 10 months 79.2
62 + 11 months 79.6
63 80
63 + 1 month 80.6
63 + 2 months 81.1
63 + 3 months 81.7
63 + 4 months 82.2
63 + 5 months 82.8
63 + 6 months 83.3
63 + 7 months 83.9
63 + 8 months 84.4
63 + 9 months 85
63 + 10 months 85.6
63 + 11 months 86.1
64 86.7
64 + 1 month 87.2
64 + 2 months 87.8
64 + 3 months 88.3
64 + 4 months 88.9
64 + 5 months 89.4
64 + 6 months 90
64 + 7 months 90.6
64 + 8 months 91.1
64 + 9 months 91.7
64 + 10 months 92.2
64 + 11 months 92.8
65 93.3
65 + 1 month 93.9
65 + 2 months 94.4
65 + 3 months 95
65 + 4 months 95.6
65 + 5 months 96.1
65 + 6 months 96.7
65 + 7 months 97.2
65 + 8 months 97.8
65 + 9 months 98.3
65 + 10 months 98.9
65 + 11 months 99.4
66 100
Your full retirement age is 66 and 2 months. 

You can earn up to $17,640 with no penalty. Your benefits are reduced by $1 for every $2 earned over the limit. For example, if your retirement job pays $20,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,480 (about 12%) to $10,520.   It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 74.20%
62 + 1 month 74.6
62 + 2 months 75
62 + 3 months 75.4
62 + 4 months 75.8
62 + 5 months 76.3
62 + 6 months 76.7
62 + 7 months 77.1
62 + 8 months 77.5
62 + 9 months 77.9
62 + 10 months 78.3
62 + 11 months 78.8
63 79.2
63 + 1 month 79.6
63 + 2 months 80
63 + 3 months 80.6
63 + 4 months 81.1
63 + 5 months 81.7
63 + 6 months 82.2
63 + 7 months 82.8
63 + 8 months 83.3
63 + 9 months 83.9
63 + 10 months 84.4
63 + 11 months 85
64 85.6
64 + 1 month 86.1
64 + 2 months 86.7
64 + 3 months 87.2
64 + 4 months 87.8
64 + 5 months 88.3
64 + 6 months 88.9
64 + 7 months 89.4
64 + 8 months 90
64 + 9 months 90.6
64 + 10 months 91.1
64 + 11 months 91.7
65 92.2
65 + 1 month 92.8
65 + 2 months 93.3
65 + 3 months 93.9
65 + 4 months 94.4
65 + 5 months 95
65 + 6 months 95.6
65 + 7 months 96.1
65 + 8 months 96.7
65 + 9 months 97.2
65 + 10 months 97.8
65 + 11 months 98.3
66 98.9
Your full retirement age is 66 and 4 months. 

You can earn up to $17,640 with no penalty. Your benefits are reduced by $1 for every $2 earned over the limit. For example, if your retirement job pays $20,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,480 (about 12%) to $10,520.   It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62  73.3%
62 + 1 month 73.8
62 + 2 months 74.2
62 + 3 months 74.6
62 + 4 months 75
62 + 5 months 75.4
62 + 6 months 75.8
62 + 7 months 76.3
62 + 8 months 76.7
62 + 9 months 77.1
62 + 10 months 77.5
62 + 11 months 77.9
63 78.3
63 + 1 month 78.8
63 + 2 months 79.2
63 + 3 months 79.6
63 + 4 months 80
63 + 5 months 80.6
63 + 6 months 81.1
63 + 7 months 81.7
63 + 8 months 82.2
63 + 9 months 82.8
63 + 10 months 83.3
63 + 11 months 83.9
64 84.4
64 + 1 month 85
64 + 2 months 85.6
64 + 3 months 86.1
64 + 4 months 86.7
64 + 5 months 87.2
64 + 6 months 87.8
64 + 7 months 88.3
64 + 8 months 88.9
64 + 9 months 89.4
64 + 10 months 90
64 + 11 months 90.6
65 91.1
65 + 1 month 91.7
65 + 2 months 92.2
65 + 3 months 92.8
65 + 4 months 93.3
65 + 5 months 93.9
65 + 6 months 94.4
65 + 7 months 95
65 + 8 months 95.6
65 + 9 months 96.1
65 + 10 months 96.7
65 + 11 months 97.2
66 97.8
66 + 1 month 98.3
66 + 2 months 98.9
66 + 3 months 99.4
66 + 4 months 100
Copy of Your full retirement age is 66 and 6 months. 

You can earn up to $17,640 with no penalty. Your benefits are reduced by $1 for every $2 earned over the limit. For example, if your retirement job pays $20,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,480 (about 12%) to $10,520.   It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62  73.3%
62 + 1 month 73.8
62 + 2 months 74.2
62 + 3 months 74.6
62 + 4 months 75
62 + 5 months 75.4
62 + 6 months 75.8
62 + 7 months 76.3
62 + 8 months 76.7
62 + 9 months 77.1
62 + 10 months 77.5
62 + 11 months 77.9
63 78.3
63 + 1 month 78.8
63 + 2 months 79.2
63 + 3 months 79.6
63 + 4 months 80
63 + 5 months 80.6
63 + 6 months 81.1
63 + 7 months 81.7
63 + 8 months 82.2
63 + 9 months 82.8
63 + 10 months 83.3
63 + 11 months 83.9
64 84.4
64 + 1 month 85
64 + 2 months 85.6
64 + 3 months 86.1
64 + 4 months 86.7
64 + 5 months 87.2
64 + 6 months 87.8
64 + 7 months 88.3
64 + 8 months 88.9
64 + 9 months 89.4
64 + 10 months 90
64 + 11 months 90.6
65 91.1
65 + 1 month 91.7
65 + 2 months 92.2
65 + 3 months 92.8
65 + 4 months 93.3
65 + 5 months 93.9
65 + 6 months 94.4
65 + 7 months 95
65 + 8 months 95.6
65 + 9 months 96.1
65 + 10 months 96.7
65 + 11 months 97.2
66 97.8
66 + 1 month 98.3
66 + 2 months 98.9
66 + 3 months 99.4
66 + 4 months 100
Your full retirement age is 66 and 8 months. 

You can earn up to $17,640 with no penalty. Your benefits are reduced by $1 for every $2 earned over the limit. For example, if your retirement job pays $20,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,480 (about 12%) to $10,520.  It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62  73.3%
62 + 1 month 73.8
62 + 2 months 74.2
62 + 3 months 74.6
62 + 4 months 75
62 + 5 months 75.4
62 + 6 months 75.8
62 + 7 months 76.3
62 + 8 months 76.7
62 + 9 months 77.1
62 + 10 months 77.5
62 + 11 months 77.9
63 78.3
63 + 1 month 78.8
63 + 2 months 79.2
63 + 3 months 79.6
63 + 4 months 80
63 + 5 months 80.6
63 + 6 months 81.1
63 + 7 months 81.7
63 + 8 months 82.2
63 + 9 months 82.8
63 + 10 months 83.3
63 + 11 months 83.9
64 84.4
64 + 1 month 85
64 + 2 months 85.6
64 + 3 months 86.1
64 + 4 months 86.7
64 + 5 months 87.2
64 + 6 months 87.8
64 + 7 months 88.3
64 + 8 months 88.9
64 + 9 months 89.4
64 + 10 months 90
64 + 11 months 90.6
65 91.1
65 + 1 month 91.7
65 + 2 months 92.2
65 + 3 months 92.8
65 + 4 months 93.3
65 + 5 months 93.9
65 + 6 months 94.4
65 + 7 months 95
65 + 8 months 95.6
65 + 9 months 96.1
65 + 10 months 96.7
65 + 11 months 97.2
66 97.8
66 + 1 month 98.3
66 + 2 months 98.9
66 + 3 months 99.4
66 + 4 months 100
Your full retirement age is 66 and 10 months. 

You can earn up to $17,640 with no penalty. Your benefits are reduced by $1 for every $2 earned over the limit. For example, if your retirement job pays $20,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,480 (about 12%) to $10,520.   It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 70.80%
62 + 1 month 71.3
62 + 2 months 71.7
62 + 3 months 72.1
62 + 4 months 72.5
62 + 5 months 72.9
62 + 6 months 73.3
62 + 7 months 73.8
62 + 8 months 74.2
62 + 9 months 74.6
62 + 10 months 75
62 + 11 months 75.4
63 75.8
63 + 1 month 76.3
63 + 2 months 76.7
63 + 3 months 77.1
63 + 4 months 77.5
63 + 5 months 77.9
63 + 6 months 78.3
63 + 7 months 78.8
63 + 8 months 79.2
63 + 9 months 79.6
63 + 10 months 80
63 + 11 months 80.6
64 81.1
64 + 1 month 81.7
64 + 2 months 82.2
64 + 3 months 82.8
64 + 4 months 83.3
64 + 5 months 83.9
64 + 6 months 84.4
64 + 7 months 85
64 + 8 months 85.6
64 + 9 months 86.1
64 + 10 months 86.7
64 + 11 months 87.2
65 87.8
65 + 1 month 88.3
65 + 2 months 88.9
65 + 3 months 89.4
65 + 4 months 90
65 + 5 months 90.6
65 + 6 months 91.1
65 + 7 months 91.7
65 + 8 months 92.2
65 + 9 months 92.8
65 + 10 months 93.3
65 + 11 months 93.9
66 94.4
66 + 1 month 95
66 + 2 months 95.6
66 + 3 months 96.1
66 + 4 months 96.7
66 + 5 months 97.2
66 + 6 months 97.8
66 + 7 months 98.3
66 + 8 months 98.9
66 + 9 months 99.4
66 + 10 months 100
Your full retirement age is 67. 

You can earn up to $17,640 with no penalty. Your benefits are reduced by $1 for every $2 earned over the limit. For example, if your retirement job pays $20,000 a year and your Social Security payout is $12,000 a year, that payout would fall by $1,480 (about 12%) to $10,520.  It is still generally advisable to work longer-- and hold off on receiving social security benefits as long as you can.  You can wait as late as age 70.

If you decide to start getting benefits at an age in the first column, your social security benefits would be reduced to this percentage of your benefit due (if you waited):

 
62 70.80%
62 + 1 month 71.3
62 + 2 months 71.7
62 + 3 months 72.1
62 + 4 months 72.5
62 + 5 months 72.9
62 + 6 months 73.3
62 + 7 months 73.8
62 + 8 months 74.2
62 + 9 months 74.6
62 + 10 months 75
62 + 11 months 75.4
63 75.8
63 + 1 month 76.3
63 + 2 months 76.7
63 + 3 months 77.1
63 + 4 months 77.5
63 + 5 months 77.9
63 + 6 months 78.3
63 + 7 months 78.8
63 + 8 months 79.2
63 + 9 months 79.6
63 + 10 months 80
63 + 11 months 80.6
64 81.1
64 + 1 month 81.7
64 + 2 months 82.2
64 + 3 months 82.8
64 + 4 months 83.3
64 + 5 months 83.9
64 + 6 months 84.4
64 + 7 months 85
64 + 8 months 85.6
64 + 9 months 86.1
64 + 10 months 86.7
64 + 11 months 87.2
65 87.8
65 + 1 month 88.3
65 + 2 months 88.9
65 + 3 months 89.4
65 + 4 months 90
65 + 5 months 90.6
65 + 6 months 91.1
65 + 7 months 91.7
65 + 8 months 92.2
65 + 9 months 92.8
65 + 10 months 93.3
65 + 11 months 93.9
66 94.4
66 + 1 month 95
66 + 2 months 95.6
66 + 3 months 96.1
66 + 4 months 96.7
66 + 5 months 97.2
66 + 6 months 97.8
66 + 7 months 98.3
66 + 8 months 98.9
66 + 9 months 99.4
66 + 10 months 100
3. Complete this section if you'd like one of our Advisors to contact you about your particular situation.  
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