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Estimate your monthly Social Security benefit based on earnings and retirement age (2026 bend points).
Monthly Benefit at Age 67
$2,711
Annual: $32,533
PIA (at FRA 67)
$2,711
Your AIME
$6,250
vs. FRA Benefit
At FRA
Annual Benefit
$32,533
Age 62
$1,898/mo
-30.00% vs FRA
Age 66
$2,530/mo
-6.67% vs FRA
Age 67 (FRA)
$2,711/mo
Base PIA
Age 70
$3,362/mo
+24.00% vs FRA
Important Disclaimer
This estimate is for educational purposes only. Your actual Social Security benefit depends on your full earnings history, disability status, and changes to SS law. Bend points and brackets are updated annually by the SSA. Visit ssa.gov/estimator for your official estimate based on your actual earnings record.
Social Security Benefits Estimator estimates your PIA using the SSA bend-point formula (2026: 90% up to $1,226 AIME, 32% up to $7,391, 15% above) and adjusts for early claiming reduction or delayed retirement credit (8%/year past FRA).
Social Security Benefits Estimator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
AIME = (annual earnings × min(years_working, 35) / 35) / 12. PIA uses 2026 bend points: 90% × min(AIME, $1,226) + 32% × min(max(0, AIME − $1,226), $6,165) + 15% × max(0, AIME − $7,391). Early reduction: 5/9% per month for first 36 months before FRA, 5/12% beyond. Delayed: 8%/year past FRA. This is a simplified estimate; visit ssa.gov for your official projection.
Claiming at 62 gives the lowest benefit (up to 30% reduction). Waiting until 70 maximizes your benefit (32% higher than at FRA 67). The break-even point is typically age 78–80. If you expect to live past 80, delaying pays off.
For anyone born in 1960 or later, FRA is 67. You can claim as early as 62 (reduced benefits) or delay to 70 (increased benefits). There is no additional benefit for waiting past 70.
SSA averages your highest 35 years of indexed earnings to get AIME (Average Indexed Monthly Earnings). PIA (Primary Insurance Amount) is calculated using a progressive bend-point formula: 90% on the first $1,226, 32% on the next $6,165, 15% above $7,391 (2026 bend points).
Yes, but if you're under FRA, earnings above $22,320/year (2026) reduce your benefit by $1 for every $2 earned. Above FRA there is no earnings limit.
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