Retirement Planner with Retirement Earnings Calculator
What part-time work changes
Savings last, with work
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Savings last, without work
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Extra savings at plan age
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2026 earnings test limits: $24,480 a year ($1 withheld per $2 above it) and $65,160 in the year you reach full retirement age ($1 per $3), raised with inflation in later years. Withheld benefits are not lost: SSA raises your monthly benefit at full retirement age to credit those months, which this estimate leaves out. Income tax is not modeled separately.
Year-by-year: working in retirement vs not working
Each year's spending is covered first by part-time pay and Social Security; savings cover the rest at the start of the year. A negative draw means pay and benefits exceeded spending and the extra was saved.
| Age | Part-time pay | Social Security paid | Withheld | Spending | Drawn from savings | Balance with work | Balance without work |
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Results are estimates for educational purposes and are not financial, tax or legal advice.
Compare how long your savings last with and without part-time work in early retirement, including Social Security benefits withheld under the 2026 earnings test. Try the life expectancy calculator online to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.