Disclosure
Disclosure
Transparency about links, funding, advice, and your data — per FTC guidance.
ssearningstest is free. Some outbound links — for example to retirement-planning tools, financial advisors, or annuity and benefits services — may be affiliate links: if you sign up through them we may earn a commission at no extra cost to you. A commission never changes what the calculator reports.
Not financial, tax, or Social Security advice. The tool applies the published 2026 Social Security earnings-test limits and rules to the numbers you enter; it does not know your earnings record, exact FRA, or the first-year grace rule, and does not replace the Social Security Administration or a financial professional. We are not affiliated with the SSA or any government agency. Confirm your figures at SSA.gov.
Your privacy: this is a static, client-side tool — everything you enter stays in your browser and is never uploaded.