What is the maximum number of social security credits a worker can earn in a single calendar year?

In a single calendar year, a worker can earn a maximum of four Social Security credits. The amount of earnings required to earn one credit is adjusted annually based on average wage increases. For 2023, for example, a worker must earn $1,640 to earn one credit, so by earning $6,560 in total earnings over the year, they can accumulate the four credits available.

This system of credits serves to determine eligibility for Social Security benefits, such as retirement or disability benefits. Most workers will reach the maximum of four credits as they typically earn well above the minimum thresholds. Understanding the credit system is crucial for grasping how benefits are calculated and when a worker becomes eligible to receive them later in life.