Social Security Calculator
Estimate your Social Security benefits based on your earnings and retirement age.
Social Security Information
Benefits by Claiming Age
Benefit Estimates by Claiming Age
Early (62)
$1877
per month
$22520 annually
-30.0% vs full benefit
Full (67)
$2681
per month
$32171 annually
0.0% vs full benefit
Delayed (70)
$3324
per month
$39892 annually
24.0% vs full benefit
Your Social Security Profile
Full Retirement Age:67 years
Current Taxable Earnings:$75,000
Estimated AIME:$6250
Primary Insurance Amount:$2681
Years Until Full Benefits:28 years
Claiming Strategy Impact
Early vs Delayed Claiming:
Early (62):-30.0%
Full (67):100%
Delayed (70):+24.0%
💡 Delaying benefits past full retirement age increases your monthly benefit by about 8% per year until age 70.
Important Social Security Facts
Key Points:
- • Benefits based on highest 35 years of earnings
- • Must have 40 quarters (10 years) of coverage
- • Benefits adjusted annually for inflation (COLA)
- • Spousal benefits available (up to 50% of higher earner)
- • Survivor benefits available for widows/widowers
Planning Tips:
- • Create account at ssa.gov for official estimates
- • Consider longevity when choosing claim age
- • Coordinate with spouse's benefits
- • Factor in Medicare eligibility at 65
- • Don't rely solely on Social Security for retirement
⚠️ These are estimates only. For official benefit estimates, visit ssa.gov and create your Social Security account.
⚠️
⚠️ For Planning Purposes Only
These calculations are estimates for educational and planning purposes. Always consult with qualified financial professionals before making financial decisions.