Social Security Calculator
US-SpecificEstimate your monthly Social Security retirement benefit at different claiming ages
Full Retirement Age (FRA)
67
Full benefit (PIA): $2,879.20/mo
Claiming at 67
$2,879.20/mo
100% of your full benefit · $34,550.40 a year
Earliest (62)
$2,015.44/mo
Full retirement age (67)
$2,879.20/mo
Latest (70)
$3,570.21/mo
A spouse with a smaller record can receive up to 50% of your full benefit ($1,439.60/mo) at their own full retirement age.
Simplified estimate using the SSA's 2026 bend points (90/32/15%) with your current earnings treated as your career average, scaled by years worked out of 35. Shown in today's dollars, before cost-of-living increases. Your real benefit uses your indexed 35-year record: check ssa.gov/myaccount or the SSA Retirement Estimator.
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About Social Security Calculator
Estimates your monthly Social Security retirement benefit from your birth year, earnings and years worked, at any claiming age between 62 and 70 (to the month), using the SSA's 2026 benefit formula and your exact full retirement age.
Enter your birth year, current annual earnings and how many years you have worked (up to 35). Pick the age and month you plan to claim, and compare the early, full-retirement-age and age-70 amounts below. Amounts are in today's dollars, before future cost-of-living increases.
Claiming before your full retirement age permanently reduces your monthly benefit, while delaying past it increases it (up to age 70). It is one of the most consequential retirement decisions, so compare a few claiming ages and check your real earnings record at ssa.gov/myaccount.
Watch: Social Security Calculator in Action
- Does it matter when I choose to start claiming benefits?
- Yes, significantly — claiming earlier than your full retirement age permanently reduces your monthly benefit, while delaying past it increases it. This is one of the most consequential timing decisions in retirement planning, worth modeling at a few different claiming ages.
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