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How much Social Security will I get?

Enter your date of birth and your average indexed monthly earnings (or your benefit at full retirement age) to see your monthly Social Security benefit at the age you plan to claim.

Your numbers

I know my
Working while claiming
Leave empty if you will not work.
Monthly benefit
$2,665.00

Claiming at 67 years and 0 months, your benefit is about $2,665.00 a month (100% of your PIA of $2,665.80).

A year
$31,980.00
Benefit at full retirement age (PIA)
$2,665.80
Share of the PIA
100%
Full retirement age
67
Months from full retirement age
0
Bend points used
2026: $1,286 and $7,749

Monthly benefit: $2,665.00. Claiming at 67 years and 0 months, your benefit is about $2,665.00 a month (100% of your PIA of $2,665.80).

The results are estimates for information only. They are not financial, tax, or legal advice. Check the numbers with your lender or a qualified professional before you decide. Terms of use

How to calculate

Estimates your monthly Social Security retirement benefit from your average indexed monthly earnings or your PIA, with the early retirement reduction or delayed credits for the age you claim, and the earnings test.

Example with the default inputs (Date of birth June 15, 1964, I know my Average indexed earnings, Average indexed monthly earnings $6,000.00, Claim at age (years) 67, And months 0): Claiming at 67 years and 0 months, your benefit is about $2,665.00 a month (100% of your PIA of $2,665.80).

Method: PIA = 90% of AIME to the first bend point + 32% to the second + 15% above, down to the dime; benefit = PIA × (1 − 5/9% × first 36 early months − 5/12% × later early months), or × (1 + 2/3% × months after full retirement age, to 70), down to the dollar.

  • Uses the bend points of the year you turn 62; for 62 after 2026, the 2026 bend points, so the result is in today’s dollars.
  • Cost-of-living adjustments from 62 on raise the real benefit and are not included.
  • Delayed retirement credits of 8% a year (2/3 of 1% a month) apply to people born in 1943 or later, up to age 70.
  • Claiming at exactly 62 needs you to be 62 for the whole month; most people can start at 62 and 1 month.
  • The earnings test uses the 2026 lower exempt amount; in the year you reach full retirement age a higher amount ($65,160, $1 for every $3) applies, and withheld benefits raise your benefit later.
  • Spousal and survivor benefits and the family maximum are not included.

Machine-readable copies: Markdown, JSON.

Worked examples

Each example is checked against the calculator on every build.

  1. Date of birth 1960-06-15, I know my Benefit at full retirement age, Benefit at full retirement age (PIA) $1,000.00, Claim at age (years) 62, And months 0 gives Monthly benefit $700.00, Share of the PIA 70%, Months from full retirement age -60, Full retirement age 67.Source: SSA, Benefit Reduction for Early Retirement: born 1960 or later, age 62, $1,000 PIA gives $700
  2. Date of birth 1957-06-15, I know my Benefit at full retirement age, Benefit at full retirement age (PIA) $1,000.00, Claim at age (years) 62, And months 0 gives Monthly benefit $725.00, Months from full retirement age -54, Full retirement age 66 and 6 months.Source: SSA, Benefit Reduction for Early Retirement: born 1957, 54 reduction months, $725
  3. Date of birth 1960-01-01, I know my Benefit at full retirement age, Benefit at full retirement age (PIA) $1,000.00, Claim at age (years) 62, And months 0 gives Monthly benefit $708.00, Full retirement age 66 and 10 months.Source: SSA, Benefit Reduction for Early Retirement: a 1 January birthday uses the prior year of birth (1959: $708)
  4. Date of birth 1960-06-15, I know my Benefit at full retirement age, Benefit at full retirement age (PIA) $1,000.00, Claim at age (years) 70, And months 0 gives Monthly benefit $1,240.00, Share of the PIA 124%, Months from full retirement age 36.Source: SSA, Delayed Retirement Credits: 8% a year (2/3 of 1% a month) from 67 to 70 for births after 1942
  5. Date of birth 1964-06-15, I know my Average indexed earnings, Average indexed monthly earnings $6,000.00, Claim at age (years) 67, And months 0, Earnings while claiming $30,000.00 gives Benefit at full retirement age (PIA) $2,665.80, Monthly benefit $2,665.00.Source: SSA PIA formula with the 2026 bend points ($1,286 and $7,749)
  6. Date of birth 1964-06-15, I know my Average indexed earnings, Average indexed monthly earnings $6,000.00, Claim at age (years) 64, And months 0, Earnings while claiming $34,480.00 gives Monthly benefit $2,132.00, Withheld a year for earnings $5,000.00.Source: ($34,480 − $24,480) ÷ 2 = $5,000 (SSA earnings test 2026)

How it works

1. Year of birth. SSA says you reach an age the day before your birthday, so a 1 January birthday counts as the year before. Call the year B.

2. Primary insurance amount (PIA). Either you type it (then no bend points are shown), or it comes from your average indexed monthly earnings (AIME) and the bend points of the year you turn 62 (B + 62). For a year after 2026 the 2026 bend points are used ($1,286 and $7,749), which gives the benefit in today’s dollars. With bend points b₁ and b₂:

PIA = 0.90 × min(AIME, b₁) + 0.32 × (min(AIME, b₂) − b₁, not below 0) + 0.15 × (AIME − b₂, not below 0)

rounded down to the next lower dime.

3. Full retirement age (FRA). 65 for B up to 1937; 65 and 2 months more for each year from 1938 to 1942; 66 for 1943 to 1954; 66 and 2, 4, 6, 8, 10 months for 1955 to 1959; 67 for 1960 and later.

4. Claiming age. Claim age C = years × 12 + months (the page accepts 62 and 0 months to 70; credits stop at 70). Months from FRA = C − FRA in months.

  • Early by k months: share = 1 − (5/9 %) × min(k, 36) − (5/12 %) × (k − 36, not below 0).
  • Late by k months: share = 1 + (2/3 %) × k.

5. Monthly benefit = PIA × share, rounded down to the whole dollar. A year = 12 × the monthly benefit.

6. Earnings test. When you claim before FRA and enter yearly earnings E, the amount held back in a full year before the year you reach FRA = (E − $24,480) ÷ 2, not below 0 and not more than a year of benefits (2026 figures).

Assumptions

  • The result is in today’s dollars: cost-of-living adjustments from age 62 on are not included.
  • Delayed retirement credits are 8% a year for people born in 1943 or later (the page starts at that year).
  • Spousal and survivor benefits and the family maximum are not included.

Worked examples by hand

Born 1960, $1,000 PIA, claim at 62. FRA 67: 60 months early. Share = 1 − 36 × 5/900 − 24 × 5/1200 = 1 − 0.20 − 0.10 = 0.70. Benefit = $700 (SSA table).

Born 1957, $1,000 PIA, claim at 62. FRA 66 and 6 months: 54 months early. Share = 1 − 0.20 − 18 × 5/1200 = 0.725. Benefit = $725 (SSA table).

Born 1 January 1960. Counts as 1959: FRA 66 and 10 months, 58 months early at 62. Share = 1 − 0.20 − 22 × 5/1200 = 0.708333. $1,000 × 0.708333 = $708.33, down to $708 (SSA table, footnote a).

Born 1960, $1,000 PIA, claim at 70. 36 months late: share = 1 + 36 × 2/300 = 1.24. Benefit = $1,240.

Born 1964, AIME $6,000, claim at 67. Turns 62 in 2026: bend points $1,286 and $7,749. PIA = 0.9 × 1,286 + 0.32 × (6,000 − 1,286) = 1,157.40 + 1,508.48 = 2,665.88, down to $2,665.80. At FRA the benefit is $2,665.

Same person claiming at 64, earning $34,480 a year. 36 months early: share 0.80. 2,665.80 × 0.80 = 2,132.64, down to $2,132. Held back: ($34,480 − $24,480) ÷ 2 = $5,000 a year.

Other questions people ask

How is my Social Security benefit calculated?

SSA averages your highest 35 years of earnings, indexed to wage growth, into average indexed monthly earnings (AIME). Your primary insurance amount (PIA) is 90% of the first $1,286 of AIME, 32% of AIME up to $7,749, and 15% above that (2026 bend points). You get the PIA at full retirement age; claiming earlier lowers it and later raises it.

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 pays 70% of the PIA: a $1,000 PIA becomes $700 a month.

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

For people born in 1943 or later, each month you wait after full retirement age adds 2/3 of 1%, or 8% a year, up to age 70. With a full retirement age of 67, waiting until 70 pays 124% of the PIA.

What is my full retirement age?

66 if you were born from 1943 to 1954, rising by 2 months a year to 67 for 1960 or later (66 and 2 months for 1955, up to 66 and 10 months for 1959). If you were born on 1 January, use the year before.

What happens if I work while getting benefits?

Before the year you reach full retirement age, SSA holds back $1 of benefits for every $2 you earn above $24,480 (2026). In the year you reach it, the limit is $65,160 and $1 is held back for every $3, counting only months before that birthday. Benefits held back are not lost: your benefit is raised at full retirement age.

Where do I find my AIME or PIA?

Your Social Security statement at ssa.gov/myaccount shows your earnings record and your estimated benefit at full retirement age, which is close to your PIA. SSA’s own calculators use your exact record.