What is my full retirement age?

Type your date of birth. The retirement age calculator shows your Social Security full retirement age, the day you reach it, the earliest month you can start, and how much of your full benefit you get at 62, at 70 and at the age you plan to claim.

Full retirement age: 67

Born June 15, 1965, your full retirement age is 67, reached on June 14, 2032.

You reach it on: June 14, 2032
Earliest month to start: July 2027
Share at 62: 70%
You reach 70 on: June 14, 2035
Share at 70: 124%
Share at your claiming age: 100%
Months from full retirement age: 0

Full retirement age: 67. Born June 15, 1965, your full retirement age is 67, reached on June 14, 2032.

How to calculate

Finds your Social Security full retirement age from your date of birth, the dates you reach it, 62 and 70, and how much of your full benefit you get at each claiming age.

Example with the default inputs (Date of birth June 15, 1965, Claiming age: years 67, Claiming age: months 0): Born June 15, 1965, your full retirement age is 67, reached on June 14, 2032.

Method: Full retirement age from the 20 CFR 404.409 table for your birth date (a 1 January birthday counts as the year before). Dates: the birthday at that age (birth date plus the years and months), then the day before. Share of the full benefit: 100% − 5/9% × the first 36 months early − 5/12% × each month more; or 100% + 2/3% × each month late, to 70.

Social Security retirement benefits for workers born on or after 2 January 1943 (delayed credits of 8% a year).
You reach an age on the day before your birthday (20 CFR 404.102). A birthday that does not exist that year (29 February, or the 31st in a shorter month) counts as the 1st of the next month, so the age is reached on the last day of the month.
The shares apply to your own retirement benefit; spouse and survivor benefits use other reductions.
The share at your claiming age is the benefit as a percent of your full benefit (primary insurance amount), before rounding to the dollar.

Machine-readable copies: Markdown, JSON.

Worked examples

Each example is checked against the calculator on every build.

Date of birth 1965-06-15, Claiming age: years 67, Claiming age: months 0 gives Full retirement age 67, You reach it on 2032-06-14, Earliest month to start 2027-07-01, Share at 62 70%, You reach 70 on 2035-06-14, Share at 70 124%, Share at your claiming age 100%.Source: 20 CFR 404.409 (born 1960 or later: 67), https://www.law.cornell.edu/cfr/text/20/404.409; 20 CFR 404.410 (5/9 of 1% for 36 months, 5/12 of 1% beyond), https://www.law.cornell.edu/cfr/text/20/404.410; 20 CFR 404.313 (2/3 of 1% a month to 70), https://www.law.cornell.edu/cfr/text/20/404.313
Date of birth 1959-03-10, Claiming age: years 62, Claiming age: months 0 gives Full retirement age 66 and 10 months, You reach it on 2026-01-09, Earliest month to start 2021-04-01, Share at 62 70.833333%, Months from full retirement age -58.Source: 20 CFR 404.409 (born 1959: 66 and 10 months), https://www.law.cornell.edu/cfr/text/20/404.409
Date of birth 1960-01-01, Claiming age: years 70, Claiming age: months 0 gives Full retirement age 66 and 10 months, You reach it on 2026-10-31, Earliest month to start 2022-01-01, Share at 70 125.333333%.Source: 20 CFR 404.409 (1/2/1959 to 1/1/1960: 66 and 10 months), https://www.law.cornell.edu/cfr/text/20/404.409; 20 CFR 404.102 (you reach an age the day before your birthday), https://www.law.cornell.edu/cfr/text/20/404.102
Date of birth 1950-07-02, Claiming age: years 64, Claiming age: months 6 gives Full retirement age 66, Earliest month to start 2012-07-01, Share at 62 75%, Share at your claiming age 90%, Share at 70 132%.Source: 20 CFR 404.311 (first month 62 throughout the whole month), https://www.law.cornell.edu/cfr/text/20/404.311; 20 CFR 404.410, https://www.law.cornell.edu/cfr/text/20/404.410

How it works

1. Full retirement age (FRA) from the table in 20 CFR 404.409 (the Social Security Amendments of 1983). Each row runs from 2 January of one year to 1 January of the next:

Born	Full retirement age
2 Jan 1943 to 1 Jan 1955	66
2 Jan 1955 to 1 Jan 1956	66 and 2 months
2 Jan 1956 to 1 Jan 1957	66 and 4 months
2 Jan 1957 to 1 Jan 1958	66 and 6 months
2 Jan 1958 to 1 Jan 1959	66 and 8 months
2 Jan 1959 to 1 Jan 1960	66 and 10 months
2 Jan 1960 or later	67

2. Dates. You reach an age on the day before your birthday (20 CFR 404.102). The calculator adds the age in years and months to your date of birth to get that birthday, then takes the day before. A birthday that does not exist that year (29 February, or the 31st in a shorter month) falls on the 1st of the next month, so the age is reached on the last day of the month. So born 15 June 1965, you reach 67 on 14 June 2032; born 1 March 1959, you reach 66 and 10 months on 31 December 2025. This gives the day you reach full retirement age and the day you reach 70.

3. Earliest month to start. Benefits can start in the first month you are 62 for the whole month (20 CFR 404.311): the month you reach 62 if you reach it on the 1st, otherwise the next month.

4. Share of the full benefit for claiming k months from full retirement age (20 CFR 404.410 and 404.313):

Early (k < 0, m = −k months early): 100% − 5/9% × min(m, 36) − 5/12% × max(0, m − 36).
On time or late (k ≥ 0): 100% + 2/3% × k, up to age 70.

The calculator shows this at 62, at 70, and at the claiming age you type (years from 62 to 70 plus 0 to 11 months). A claiming age past 70 and 0 months gives no answer, with a message, because benefits stop growing at 70.

Exact arithmetic. Each share is an exact fraction (over 36 for early months, over 3 for late months) and is rounded once, half up, to 2 decimals.

Output format. The full retirement age shows as years, or years and months ("66 and 10 months"). Dates show as a full date; the earliest month as month and year. Shares show as percents with up to 2 decimals. "Months from full retirement age" is a whole number, negative when early.

Assumptions

For your own Social Security retirement benefit, born from 2 January 1943 to 31 December 2100. Spouse, survivor and disability benefits follow other rules.
The table is set by law and has no end date. If Congress changes it, the page will be updated.

Worked examples by hand

Born 15 June 1965, claiming at 67. Born 1960 or later: FRA 67. The birthday at 67 is 15 June 2032, so FRA is reached the day before, on 14 June 2032, 62 on 14 June 2027 (not the 1st), so the earliest month is July 2027. At 62: 60 months early, 100 − 36 × 5/9 − 24 × 5/12 = 100 − 20 − 10 = 70%. At 70 (14 June 2035): 36 months late, 100 + 36 × 2/3 = 124%. At 67: 100%.

Born 10 March 1959, claiming at 62. FRA 66 and 10 months, reached on 9 January 2026. 62 is reached on 9 March 2021, so the earliest month is April 2021. 58 months early: 100 − 36 × 5/9 − 22 × 5/12 = 100 − 20 − 9.1667 = 70.83%.

Born 1 January 1960. A 1 January birthday falls in the 1959 row: FRA 66 and 10 months. The birthday at 66 and 10 months is 1 November 2026, so FRA is reached on 31 October 2026, and 62 on 31 December 2021: the earliest month is January 2022. At 70: 38 months late, 100 + 38 × 2/3 = 125.33%.

Born 2 July 1950, claiming at 64 and 6 months. FRA 66. 62 is reached on 1 July 2012, so the earliest month is July 2012. At 62: 48 months early, 100 − 20 − 12 × 5/12 = 75%. At 64 and 6 months: 18 months early, 100 − 18 × 5/9 = 90%. At 70: 48 months late, 132%.

Other questions people ask

What is my full retirement age?

It depends on your year of birth: 66 for 1943 to 1954; 66 and 2, 4, 6, 8 or 10 months for 1955 to 1959; 67 for 1960 and later. Someone born on 1 January uses the year before.

Why does a 1 January birthday count as the year before?

Social Security says you reach an age on the day before your birthday. Born 1 January 1960, you reach each age on 31 December, so you are treated like someone born in 1959.

When can I start Social Security retirement benefits?

At 62 at the earliest, from the first month you are 62 for the whole month. If you were born on the 1st or 2nd of a month, that is your birth month at 62; otherwise it is the next month.

How much less do I get if I claim at 62?

The benefit falls by 5/9 of 1% for each of the first 36 months before full retirement age and 5/12 of 1% for each month more. With a full retirement age of 67, claiming at 62 (60 months early) pays 70% of the full benefit.

How much more do I get if I wait until 70?

Each month after full retirement age adds 2/3 of 1%, or 8% a year, until 70 (born 1943 or later). With a full retirement age of 67, waiting to 70 pays 124%. Nothing more is added after 70.

Does this calculator give my benefit in dollars?

No. It gives the share of your full benefit (your primary insurance amount). Your Social Security statement shows the dollar amount; the Social Security calculator estimates it from your earnings.