Do 401(k) and IRA distributions count toward the Social Security earnings limit?

No. Social Security defines “earned income” as wages from a job or net earnings from self-employment, and it only counts earned income in its calculation of whether and by how much to withhold from your benefits. It does not take into account pensions, retirement-account distributions, annuities, or the interest and dividends from your savings and investments. By the same token, contributions to your IRA or 401(k) cannot be deducted from income for purposes of the earnings test. Social Security uses your gross income before tax-deferred allotments to determine your earnings. Keep in mind Income from all sources does go into determining whether and what portion of your Social Security benefits are taxable.

Does a 401(k) and IRA Count Toward the Earnings Limit?

chicken parmesan lasagna fettucine alfredo caeser salad bread wine

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Restaurants

Carrabba's Italian Grill®

10% off dine-in or curbside carryout orders placed by phone

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woman smiling handing man credit card at hotel check in, other man sitting in background

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Travel

AARP Travel Center Powered by Expedia: Hotels & Resorts

Up to 10% off select hotels

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See more Travel offers >

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Health & Wellness

AARP® Staying Sharp®

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