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

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Effect of Claiming Age on Benefit

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