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Social Security Estimate Calculator

Enter your average indexed monthly earnings (shown on your Social Security statement), your birth year and the age you plan to claim. The calculator estimates your monthly benefit and shows what each claiming age would pay.

Your numbers

Your Social Security statement at ssa.gov/myaccount shows your earnings record. This is an average of your 35 best years, indexed, divided by 12.

Result

Estimate for information only, not professional advice. Last reviewed .

Tax year 2026. Tax figures last updated October 29, 2026. Sources.

How we calculate it

Your full benefit at full retirement age (the primary insurance amount) is 90% of the first $1,286 of average monthly earnings, plus 32% of earnings between $1,286 and $7,749, plus 15% of anything above that, rounded down to the dime.

Full retirement age is 67 for anyone born in 1960 or later. Claiming earlier cuts the benefit by 5/9 of 1% for each of the first 36 months early and 5/12 of 1% for each month beyond that. Claiming later adds 2/3 of 1% for each month past full retirement age, up to age 70. Monthly benefits are rounded down to whole dollars.

Assumptions and limits

  • The bend points are the ones for people who turn 62 in 2026. Other birth years use different bend points, so this is a rough figure for anyone not turning 62 this year.
  • Yearly cost-of-living increases, the earnings test (working while claiming early), spousal and survivor benefits, and taxes on benefits are not included.
  • Your own statement at ssa.gov is the best estimate: it uses your actual earnings history.
  • Future law changes could alter benefits.

Frequently asked questions

What is average indexed monthly earnings?

Social Security adjusts your past earnings for wage growth, picks your highest 35 years, adds them up and divides by 420 months. Your statement at ssa.gov shows the result or lets you estimate it.

What age should I claim?

Claiming at 62 gives the smallest check, claiming at 70 the largest. Waiting pays more per month but for fewer months, so the best age depends on your health, other income and needs.

What is full retirement age?

It is the age when you get 100% of your benefit: 67 if you were born in 1960 or later, and between 66 and 67 for people born from 1955 to 1959.

Will my benefit be this amount?

It is an estimate. Your real benefit is adjusted each year for inflation and depends on your full earnings record and the rules in effect when you claim.

Related calculators

Worked example (a fixed example using the starting numbers, it does not change as you type)

Inputs: Average indexed monthly earnings ($) = 6000; Birth year = 1966; Age you plan to claim (62 to 70) = 67.

  • Monthly benefit at 67 $2,665.00
  • Yearly benefit $31,980.00
  • Benefit at full retirement age (PIA) $2,665.80
  • Full retirement age 67 years
  • Compared with the full amount 100%

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Last reviewed: . Formulas and assumptions are described on our methodology page. For information only; not professional advice.