Social Security Calculator
Claiming age swings benefits by up to 77%: early claims take permanent reductions while delaying past full retirement age earns 8%/year credits. Compare every age side by side.
Estimated monthly benefit at 67
$1,778
- Annualized
- $21,333
Simplified 2025 bend-point model — verify at ssa.gov for personal accuracy.
| Claim age | Monthly | Annual |
|---|---|---|
| Age 62 | $1,244 | $14,933 |
| Age 63 | $1,333 | $16,000 |
| Age 64 | $1,422 | $17,066 |
| Age 65 | $1,541 | $18,489 |
| Age 66 | $1,659 | $19,911 |
| Age 67 | $1,778 | $21,333 |
| Age 68 | $1,920 | $23,040 |
| Age 69 | $2,062 | $24,746 |
| Age 70 | $2,204 | $26,453 |
How the Social Security Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Formula
PIA = 90%/32%/15% bend-point formula on AIME, adjusted by claiming age
Frequently Asked Questions
How is my AIME computed?
The SSA indexes your 35 highest earning years to today's wages and divides by 420 months. Zero years count against you — working longer can replace low-earning years.
What is full retirement age?
For those born 1960+, FRA is 67; earlier cohorts slide between 65–67. Reductions apply before FRA; delayed retirement credits accrue through 70.
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