Social Security Calculator
Enter your birth year, your earnings and the age you plan to claim to estimate your monthly Social Security retirement benefit. The result shows your full retirement age, your primary insurance amount (PIA), the adjustment for claiming early or late, and the benefit at 62, at full retirement age and at 70. It is an estimate, not an SSA determination.
Last updated November 4, 2026
1943 to 2010.
Count 35 years; years with no earnings count as $0.
62 to 70.
Result
About $2,665.00 a month at age 67
| Measure | Value |
|---|---|
| AIME | $6,000.00 |
| Primary insurance amount (PIA) | $2,665.80 |
| Full retirement age | 67 |
| Adjustment for your claiming age | no adjustment |
| Yearly benefit | $31,980.00 |
| Claim at 62 | $1,866.00 a month |
| Claim at full retirement age | $2,665.00 a month |
| Claim at 70 | $3,305.00 a month |
This is your full benefit (the PIA). Uses the 2026 bend points ($1,286 and $7,749), which apply to people who turn 62 in 2026. Not included: the earnings test, spousal and survivor benefits, taxes on benefits and future cost-of-living adjustments are not included.
Show the work
Formula: PIA = 90% × AIME up to $1,286 + 32% × AIME from $1,286 to $7,749 + 15% × AIME above $7,749, rounded down to the dime. Benefit = PIA × (1 + adjustment), rounded down to the dollar.
- AIME = $72,000.00 ÷ 12 = $6,000.00, dropped to the whole dollar: $6,000.00.
- 90% tier: 0.90 × $1,286.00 = $1,157.40.
- 32% tier: 0.32 × $4,714.00 = $1,508.48.
- 15% tier: 0.15 × $0.00 = $0.00.
- PIA: $1,157.40 + $1,508.48 + $0.00 = $2,665.88, rounded down to the dime: $2,665.80.
- Full retirement age for 1964 is 67. Claiming at 67: no adjustment.
- Monthly benefit: $2,665.80 × 1.0000 = $2,665.80, rounded down to the dollar: $2,665.00.
Result: About $2,665.00 a month at age 67
How the benefit is estimated
PIA = 90% × AIME to bend point 1 + 32% × AIME from bend point 1 to 2 + 15% × AIME above bend point 2 (rounded down to the dime).
The AIME is your average indexed monthly earnings over your 35 highest years. If you do not know it, enter your average yearly earnings over 35 years (count empty years as $0); the calculator divides by 12 and drops the cents. This treats your earnings as already indexed to wage growth, which SSA does for you.
Bend points depend on the year you turn 62: $1,286 and $7,749 in 2026, $1,024 and $6,172 in 2022. Later birth years use the 2026 points.
Full retirement age depends on your birth year: 66 for 1943 to 1954, rising by 2 months a year to 66 and 10 months for 1959, and 67 for 1960 or later. Claiming early reduces the PIA by 5/9 of 1% per month for the first 36 months and 5/12 of 1% for each month beyond. Waiting past full retirement age adds 2/3 of 1% per month (8% a year) up to age 70. The benefit is rounded down to the whole dollar.
See how we calculate for the formulas, sources and review schedule behind every calculator.
What this estimate leaves out
It does not apply the earnings test if you work before full retirement age, and it leaves out spousal and survivor benefits, taxes on benefits, Medicare premiums and cost-of-living adjustments after age 62. Birth years before 1943 use different delayed credits and are not supported.
For your own record and the official figure, use your statement at ssa.gov.
General information, not financial advice
This calculator gives a general estimate from the numbers you enter. It is not financial or tax advice, and your actual results can differ. Check important decisions with a qualified professional or the official source.
Sources
Official and primary sources for the statements on this page. Their authors have not reviewed or endorsed this page.
- U.S. Social Security Administration, Office of the Chief Actuary, "Primary Insurance Amount" formula and bend points.. The 90%, 32% and 15% PIA formula and the bend points by year of eligibility.
- U.S. Social Security Administration, "Retirement Benefits by Year of Birth" and "Effect of Early or Delayed Retirement on Retirement Benefits".. Full retirement age by birth year, the early reduction of 5/9 and 5/12 of 1% per month and the 2/3 of 1% monthly delayed credit.
Bend points: 2026 from the SSA page above (2026-11-04); 2005 to 2025 transcribed from its table and cross-checked with its wage-index formula. The full retirement age table and the early and delayed claiming rules follow the SSA pages cited; confirm current figures at ssa.gov before relying on them.
Rounding the final monthly benefit down to the dollar and treating average earnings as already indexed are modelling choices of this page.
How to use the Social Security Calculator
- Enter your birth year.
- Choose average yearly earnings or enter your AIME from your SSA statement.
- Enter the age you plan to claim, from 62 to 70.
- Read the benefit and the comparison at 62, full retirement age and 70, then Copy, Print or Share.
Worked example
Someone born in 1964 with an AIME of $6,000 (an average of $72,000 a year). The PIA is 0.90 × $1,286 = $1,157.40 plus 0.32 × $4,714 = $1,508.48, which is $2,665.88 and rounds down to $2,665.80. Full retirement age is 67.
| Claim at | Adjustment | Monthly benefit |
|---|---|---|
| 62 | −30% | $1,866 |
| 67 | none | $2,665 |
| 70 | +24% | $3,305 |
Frequently asked questions
What is the PIA in Social Security?
The primary insurance amount is the monthly benefit you would get at full retirement age. It is worked out from your AIME with the three-tier bend point formula, then adjusted up or down for your claiming age.
How much is my benefit reduced if I claim at 62?
If your full retirement age is 67, claiming at 62 reduces it by 30%: 5/9 of 1% for 36 months and 5/12 of 1% for the other 24 months. The reduction is permanent.
Do benefits keep growing after age 70?
No. Delayed retirement credits of 8% a year stop at 70, so there is no reason to wait longer. This calculator caps the claiming age at 70.
Why is my result different from my SSA statement?
The statement uses your actual indexed earnings record and your own bend points. This page uses the bend points for your birth year and an AIME you enter, so small differences are normal.