Social Security Benefit Calculator
Estimate your monthly Social Security retirement benefit and see how it changes with the age you claim.
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Monthly benefit
- Primary insurance amount
- Full retirement age
- Adjustment
- By claiming age
- Break-even
- Work
Saved Calculations
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How Social Security Benefits Are Figured
2026 PIA = 90% of AIME up to $1,286 + 32% from $1,286 to $7,749 + 15% above $7,749
Claim early: −5/9% per month for the first 36 months early, −5/12% per month beyond Delay: +2/3% per month (8% a year) up to 70
Full retirement age is 67 for people born in 1960 or later (66 plus 2 months per year for 1955–1959). Bend points are from the SSA Office of the Chief Actuary.
Worked Example
Tips
Your my Social Security statement shows your actual PIA and earnings record; use it for the most accurate figure. Benefits here are in today’s dollars before cost-of-living adjustments, Medicare premiums and taxes. Spousal and survivor benefits, and the earnings test before full retirement age, aren’t included.