What's the full retirement age?

66-67 depending on birth year (gradually increasing). Claim before FRA = reduced benefit. After FRA = increased (8% per year).

Can I claim Social Security early?

Yes, at 62, but receive 70% of full benefit (permanent reduction). Best to wait if long life expectancy.

How is the benefit calculated?

Based on 35 highest earning years (indexed for inflation), averaged to monthly amount, then bend point formula applied.

Financial

Social Security Estimator

Social Security Benefit Estimator

Annual Income ($)

Retirement Age

Simplified estimate only. Visit ssa.gov for your actual statement.

A Social Security benefit estimator calculates estimated monthly retirement benefits based on your earnings history, the age you claim, and the Social Security benefit formula.

Symbol	Name	Unit	Description
PIA	Primary Insurance Amount	$	—
AIME	Average Indexed Monthly Earnings	$	—
FRA	Full Retirement Age	age (66-67)	—

Claiming age	Benefit % of FRA amount	Monthly benefit (PIA=$2,000)
62	70%	$1,400
65	86.7%	$1,734
67 (FRA)	100%	$2,000
70	124%	$2,480

References

›Social Security benefits — SSA

🔒

100% Gratuit

Fără înregistrare

✓

Precis

Formule verificate

⚡

Instant

Rezultate în timp ce tastezi

📱

Mobile Ready

Toate dispozitivele

Social Security Estimator

Social Security Benefit Estimator

Ce este Social Security Estimator?

Formulă

Legenda variabilelor

Cum să Social Security Estimator

Exemple rezolvate

Aplicații practice

Ghiduri regionale

Effect of Claiming Age on Benefit

Întrebări frecvente

Setări

Social Security Benefit Estimator