I want to keep my job and claim Social Security as soon as possible. How much will I get?

Core Points - The earliest age to claim Social Security retirement benefits is 62, which results in a permanent reduction of benefits by 30% for those born after 1960 [2] - Claiming Social Security early while working can lead to significant deductions from benefits if earnings exceed specified limits [3] Group 1 - Claiming Social Security at age 62 results in a reduction of benefits; for example, a primary insurance amount of $1,000 would reduce to $700 at age 62 [2] - The Social Security Administration imposes earnings limits for beneficiaries under Full Retirement Age (FRA); in 2025, the limit is $23,400, with a deduction of $1 for every $2 earned above this limit [3] - If a beneficiary turns FRA in the same year, the deduction is $1 for every $3 earned above an annual limit of $62,160 [3] Group 2 - Benefits are recalculated at FRA to account for deductions, resulting in a lower monthly benefit until FRA is reached [4] - Early claimants face a dual impact: reduced monthly benefits and a potential cut in future benefits [4]