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So if you earn $100,000 the year you retire, we estimate you will need $85,000 during the first year of retirement. For each subsequent year, we increase your income need by 2.3% to keep up with inflation.
1 In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit, but we only count earnings before the month you reach your full retirement age.  If you will reach full retirement age in 2016, the limit on your earnings for the months before full retirement age is $41,880. Starting with the month you reach full retirement age, you can get your benefits with no limit on your earnings.