Maximum Monthly Social Security Benefit 2025. In 2024, the maximum monthly social security benefit at full retirement age was $3,822. To qualify for the biggest social security payout, workers must have income that equals or exceeds that limit for 35 years.

Most workers pay 6.2% of their income, which means the maximum tax burden is $10,918.20. Key highlights of the $5,180 social security benefit in 2025.