Social Security Calculator
Estimate monthly Social Security benefits at different retirement ages.
Results
What Is a Social Security Calculator?
A Social Security calculator estimates your monthly retirement benefit based on your Average Indexed Monthly Earnings (AIME), retirement age, and the Primary Insurance Amount (PIA) formula.
How to Use This Calculator
- Enter your current age and planned retirement age between 62 and 70.
- Input your AIME and total years worked.
- Click Calculate to see estimated benefits at key ages and any delayed retirement credits.
Frequently Asked Questions
What is AIME?
Average Indexed Monthly Earnings is your average monthly earnings over your highest 35 years of work, adjusted for wage inflation.
How are benefits reduced before full retirement age?
Benefits are reduced based on how early you claim. At 62 you receive roughly 70% of your full benefit; at 67 you receive 100%.
What are delayed retirement credits?
For each year you delay past full retirement age (67 in this simplified model), your benefit increases by about 8% per year up to age 70.
Is this estimate exact?
No. This calculator uses simplified bend points and factors. Official estimates are available from the Social Security Administration.