Is this my actual Social Security benefit?

No — it’s a simplified estimate for planning purposes. Your actual benefit depends on your full 35-year earnings history calculated by the SSA. Get an official estimate from your account at ssa.gov.

Why does claiming age matter so much?

Claiming before full retirement age permanently reduces your monthly benefit, while delaying past full retirement age (up to 70) permanently increases it — the tradeoff is fewer, larger payments vs. more, smaller ones.

Social Security Calculator

Retirement

Get a simplified estimate of your monthly Social Security benefit based on earnings and claiming age.

Display currency

Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

This is a simplified estimate using illustrative bend points and claiming-age adjustment rules, not the Social Security Administration's exact current formula. For an official estimate based on your actual earnings record, use your account at ssa.gov.

Average monthly earnings (career average)

Full retirement age

Claiming age67

Estimated monthly benefit

How this is calculated

Estimates a Primary Insurance Amount using illustrative bend-point percentages (90% / 32% / 15% of average monthly earnings across three tiers), then adjusts up or down from full retirement age using simplified early-claiming reduction and delayed-retirement-credit rules. This mirrors the general shape of the SSA’s actual formula but uses illustrative bend points, not the exact current-year figures.

Frequently asked questions

Is this my actual Social Security benefit?: No — it’s a simplified estimate for planning purposes. Your actual benefit depends on your full 35-year earnings history calculated by the SSA. Get an official estimate from your account at ssa.gov.
Why does claiming age matter so much?: Claiming before full retirement age permanently reduces your monthly benefit, while delaying past full retirement age (up to 70) permanently increases it — the tradeoff is fewer, larger payments vs. more, smaller ones.

Retirement Calculator

Project your retirement savings balance from your current savings, contributions, and expected return.

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Project your 401(k) balance at retirement, including employer matching contributions.

Roth IRA Calculator

Project the growth of a Roth IRA funded with after-tax contributions.