Social Security Calculator
US-SpecificEstimate your monthly Social Security retirement benefit at different claiming ages
Full Retirement Age (FRA)
67
Claim at age 62 (early)
$2015.44/mo
Claim at age 67 (FRA)
$2879.20/mo
Claim at age 70 (delayed)
$3570.21/mo
Simplified educational estimate using the SSA's 2026 bend-point formula (90/32/15%). Treats current earnings as a flat career average rather than your real 35-year indexed earnings history, so this will differ from your actual benefit. For your real numbers, check your earnings record at ssa.gov/myaccount or use the official SSA Retirement Estimator.
What is this tool?
Provides a rough estimate of monthly Social Security retirement benefits based on your earnings history and the age at which you plan to claim.
How to use it
Enter your estimated earnings and planned retirement age, and an estimated monthly benefit is calculated.
Claiming earlier than your full retirement age permanently reduces your monthly benefit, while delaying past it increases it — this is one of the most consequential timing decisions in retirement planning, worth modeling at a few different claiming ages.
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