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Social Security Calculator

Estimate your future Social Security retirement benefits based on your current age, income, and claiming strategy.

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Used to estimate your average indexed monthly earnings (AIME)

Est. Monthly Benefit at FRA
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Impact of Claiming Age on Benefits
Age 62
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FRA (67)
$—
Age 70
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使用方法
  1. Enter your current age and annual income. The calculator makes a simplified estimate of your PIA (Primary Insurance Amount).
  2. Select your Full Retirement Age (FRA) based on your birth year.
  3. If you claim early (age 62), your benefits are permanently reduced by up to 30%.
  4. If you delay claiming past FRA (up to age 70), your benefits increase by 8% per year.

公式

Age 62 Benefit = FRA Benefit × (1 − Reductions)
Age 70 Benefit = FRA Benefit × (1 + 0.08 × Years Delayed)

Your Social Security retirement benefit depends on your lifetime earnings and the age you choose to claim. Claiming before your Full Retirement Age (FRA) results in a permanent reduction, while delaying up to age 70 guarantees an 8% annual increase. This calculator provides a simplified estimate; for an exact number based on your actual earnings record, create an account at SSA.gov.