How much can you earn and not owe anything to Social Security at age 65?

Your year of birth will determine the year when you will reach your Normal Retirement Age or Full Retirement Age. After reaching that point your earnings will no longer be subject to the earning test.

Normal retirement age. At this age, the benefit is neither reduced for early retirement nor increased for delayed retirement.

The normal retirement age (NRA) is the age at which retirement benefits (before rounding) are equal to the "primary insurance amount." The table below shows how NRA varies by year of birth for retirees.Normal Retirement AgeYear of birthAge1937 and prior65193865 and 2 months193965 and 4 months194065 and 6 months194165 and 8 months194265 and 10 months1943-5466195566 and 2 months195666 and 4 months195766 and 6 months195866 and 8 months195966 and 10 months1960 and later67Notes:

1. Persons born on January 1 of any year should refer to the normal retirement age for the previous year.

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