Social Security Estimator
USA · 2026 rulesEstimate your Social Security retirement benefit by claiming age (62–70). Enter your average income to get an estimated benefit at full retirement age (FRA 67) and at each claiming age. Uses 2026 bend points and rules. For planning only—actual benefits depend on your earnings history; use the SSA Retirement Estimator for official numbers.
Full retirement age (FRA) is 67 for those born 1960 or later.
Spouse receives the higher of their own benefit or up to 50% of your PIA.
Benefit by claiming age
Monthly benefit at each age. Click a row to set your claiming age.
| Age | Monthly | Difference |
|---|---|---|
| 62 | $1,563.53 | -$782.35/mo |
| 63 | $1,720.00 | -$625.88/mo |
| 64 | $1,876.47 | -$469.41/mo |
| 65 | $2,032.94 | -$312.94/mo |
| 66 | $2,189.41 | -$156.47/mo |
| Selected 67 | $2,345.88 | — |
| 68 | $2,533.55 | +$187.67/mo |
| 69 | $2,721.22 | +$375.34/mo |
| 70 | $2,908.89 | +$563.01/mo |
Click any row to update your selection. Estimates only — verify with SSA.
When does waiting pay off?
If you see a higher amount by waiting (e.g. at FRA 67 or age 70), the breakeven age is when you’ve received the same total benefits as if you’d claimed earlier. After that, the higher monthly amount from waiting wins.
Wait until 67 (FRA) instead of 62 → break even at age 77.
Wait until 70 instead of 67 (FRA) → break even at age 82.5.
Estimates only. Actual benefits depend on your earnings history and the SSA formula. Get your official estimate at ssa.gov. This is not financial or tax advice.
How it works
About this calculator
This tool estimates your Social Security retirement benefit for U.S. planning. We use your average annual income and the SSA bend-point formula to approximate your Primary Insurance Amount (PIA) at full retirement age (FRA 67 for those born 1960 or later), then adjust for claiming age 62–70.
Use it to compare claiming ages or to plug an estimate into a retirement plan. For a personalized estimate based on your earnings record, use the SSA Retirement Estimator or your my Social Security account. This calculator does not use your actual earnings history; results are for illustration only.
How this is calculated
Primary Insurance Amount (PIA)
We estimate your PIA from your average annual income using the SSA bend-point formula: 90% of the first bend point, 32% of the next band, and 15% above that, up to the maximum. The result is your estimated benefit if you claim at full retirement age (FRA). For people born 1960 or later, FRA is 67.
Claiming age (62–70)
Claiming before FRA (e.g. at 62) reduces your benefit by about 6.67% per year early. Claiming after FRA (up to 70) increases it by 8% per year delayed. We apply this adjustment to your estimated PIA to get the benefit at your chosen claiming age.
Limitations
This calculator does not use your actual earnings record. For a personalized estimate, use the SSA Retirement Estimator or create a my Social Security account. We use 2026 bend points and rules; amounts are for illustration only.
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