Social Security credits.
See how much income you need to report this year to earn your 4 Social Security credits.
did you earn your 4 credits this year?
You need 40 Social Security credits (about 10 years of work) to qualify for retirement benefits. In 2026 you earn 1 credit for every $1,890 of reported earnings, up to 4 per year.
Counted earnings–
Credits earned in 2026–
More to report for 4 credits–
Your total toward 40–
Self-employment earnings count at 92.35% of net profit, and only if net earnings are at least $400. Credits come from income reported to the IRS and SSA; cash income that isn't reported doesn't count. Check your record at ssa.gov/myaccount.
Estimate, not advice. These results are estimates for planning only, based on 2026 federal rules. They are not tax, legal or financial advice. Your real numbers depend on your full situation.
don't be shy, just say hello.
Book a free 30-minute consultation, or message us on WhatsApp. We answer in English and Spanish.