If I’m drawing 1886 a month from ss and I take a 25000 yr job how much less would payment be I collected at 63

Hi. Assuming that you'll be under your full retirement age (FRA) throughout 2023, then Social Security would need to withhold $1 of your benefits for each $2 that you earn in excess of $21,240 this year. They don't do that by reducing your monthly benefit amount, though. Instead, they suspend your benefit payments for as many months as it takes to withhold the required amount.

If you earn $25,000 this year, $1,880 of your benefits would need to be withheld (i.e. ($25000 - $21240)/2). Therefore, if your monthly benefit amount is $1,886, Social Security would need to withhold roughly one full month of your benefits. They would then pay you your regular monthly benefit amount for the other 11 months of 2023.

If you do plan to earn more than $21,240 this year, be sure to let Social Security know in advance. Otherwise, they won't find out until the year is over, in which case you'll end up with an overpayment of benefits that you'll be expected to repay.

Best, Jerry