Social Security Calculator
Estimate your Social Security retirement benefits based on earnings history and claiming age
Related Calculators
You might also find these calculators useful
Plan Your Social Security Strategy
When should you claim Social Security? The answer could mean tens of thousands of dollars difference in lifetime benefits. Our calculator estimates your benefits at different claiming ages, helping you decide between taking reduced benefits early or waiting for maximum payments.
How Social Security Benefits Work
Social Security benefits are based on your 35 highest-earning years, adjusted for inflation. Your Primary Insurance Amount (PIA) is calculated at Full Retirement Age (66-67 depending on birth year). Claim early and receive reduced benefits. Wait until 70 and receive up to 32% more. The break-even point is typically around age 80.
PIA Bend Point Formula (2024)
PIA = 90% × first $1,174 + 32% × next $5,905 + 15% × restHow to Use This Calculator
Social Security Planning
Retirement Timing
Compare monthly benefits at different claiming ages to plan retirement.
Break-Even Analysis
Calculate when waiting to claim pays off vs. taking early benefits.
Income Planning
Coordinate Social Security with other retirement income sources.
Frequently Asked Questions
FRA is when you receive 100% of your PIA—66 for those born 1943-1954, gradually increasing to 67 for those born 1960+. Claim before FRA = reduced benefits. Claim after = increased benefits.