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Estimate your monthly Social Security benefit at any retirement age using the SSA bend-point formula.
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).
Estimate your monthly Social Security retirement benefit at ages 62, 66, 67, and 70 using the SSA's AIME and bend-point formula. See the trade-off between claiming early vs. delayed.
Enter your current age and annual earnings
Set your total years of Social Security-covered work
Select your planned retirement age (62–70)
Compare monthly benefits at all claiming ages in the comparison table
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.
Project your 401(k) balance at retirement with employer match and salary growth.
Estimate your take-home pay after federal, FICA, state taxes, 401(k), and health premiums.
Add up your assets and liabilities. Compare to US median by age.