Max Earnings For Social Security 2024 Calculator. To receive the highest social security payout, you must retire at 70 and have at least 35 working years, earning at least the maximum income amount for the year. In 2025, the sga amount will be $1,620 for disabled applicants and $2,700 for blind applicants.

Here is how continuing to work before full retirement age will affect your benefits. Determine the ideal application age.