Social Security Benefit Estimator
Estimate your monthly Social Security retirement benefit and see how claiming between age 62 and 70 changes it.
Your numbers
- Annual benefit
- $32,951
- Benefit at full retirement age (67)
- $2,746
- AIME
- $6,250
Simplified estimate using 2026 bend points; your official benefit at ssa.gov will differ.
How the social security benefit estimator calculator works
Primary insurance amount (PIA) = 90% of the first $1,286 of average indexed monthly earnings (AIME), 32% of earnings up to $7,749 and 15% above that (2026 bend points). Benefits drop about 30% at 62 and rise 8% per year of delay after a full retirement age of 67.
Example
Using the default inputs (Average annual earnings (indexed): $75,000; Years worked: 35; Claiming age: 67 (full)), the calculator returns estimated monthly benefit of $2,746. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
When should I claim?
Claiming later boosts the lifetime monthly check; claiming earlier gives more years of payments. Health, spouse benefits and other income matter.
How is AIME calculated?
Using your highest 35 years of inflation-indexed earnings, divided by 420 months. Fewer than 35 working years means zeros are averaged in.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.