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AARP's Social Security Q&A Tool

Is the annual earnings limit for people under full retirement age broken down into a monthly maximum or is it for the year?

En español | The Social Security Administration does not break the $15,480 (in 2014) Retirement Earnings Limit into monthly amounts. Your benefits will not be affected until your combined annual earnings exceeds $15,480. If you earn $14,000 in January and no other income for the year, your benefit will not be reduced. If you do earn more than the $15,480 limit, your benefit will be reduced by $1 for every $2 in earnings over the limit.   The only exception to this rule is in the first year you claim.  At this time, you will be subject to a monthly maximum of $1,260 until January of the following year.

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