Social Security retirement calculator

Start with your Social Security statement

Enter the estimated monthly benefit shown for your full retirement age in your my Social Security account. This calculator adjusts that amount for a selected claiming age; it does not reconstruct your earnings record. No Social Security number or account login is collected here.

How claiming age changes benefits

Full retirement age depends on birth year. It is 67 for people born in 1960 or later. For January 1 birthdays, SSA uses the previous birth year. See SSA’s full retirement age table.

Early claiming reduces the benefit by 5/9 of 1% for each of the first 36 early months, then 5/12 of 1% for each additional month. Delayed credits depend on birth year; for those born in 1943 or later, the annual credit is 8% until age 70. This calculation includes all earned credits. SSA explains early and delayed retirement.

Compare your claiming options

For a $2,500 full-age benefit and a full retirement age of 67, the illustrative monthly amounts are $1,750 at 62, $2,500 at 67 and $3,100 at 70. Save these ages as scenarios, add a fourth age if useful, and export the comparison in Excel, Word, PDF or JPG.

Totals and break-even ages hold benefits constant and exclude COLA, taxes, Medicare deductions, the earnings test and family benefits. They are comparisons, not recommendations. Exact entitlement months and payment rounding can differ. Some delayed credits before age 70 are reflected the following January; review SSA’s delayed-credit guidance. State and ZIP code are not needed for this federal benefit estimate.

For 401(k), IRA and other account balances, use our retirement savings calculator.