Social Security Calculator

Estimate your monthly Social Security benefit at age 62, at full retirement age, and at age 70 from your average indexed monthly earnings.

Estimate only. This is not an official SSA statement. Your actual benefit depends on your full earnings record, so check your my Social Security account for the official figure.

AIME is the SSA average of your highest 35 years of Social Security covered earnings, adjusted for wage growth and divided by 420 months. You can find your earnings record in your my Social Security account.

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Benefit comparison

How this calculator works

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Results are estimates for education only and are not financial advice. They are not an SSA determination.

Social Security benefit formula

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How the benefit is calculated, step by step

1. Find the full retirement age from the birth year using the SSA schedule.
2. Run the AIME through the 2026 bend point formula to get the primary insurance amount.
3. For age 62, count the months before full retirement age and apply the early reduction rates.
4. For age 70, count the months past full retirement age and apply delayed retirement credits of 2/3 of 1% per month.

Worked example

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