Social Security Calculator

Estimate how your claiming age affects your monthly Social Security benefit.

Your details

Estimated monthly benefit at Full Retirement Age

You can find this on your Social Security statement at ssa.gov/myaccount.Full Retirement Age (FRA)

Default 67, for those born 1960 or later.Desired claiming age

Your estimate

Estimated monthly benefit at age 62$1,680

Estimated annual benefit$20,160

Benefit at FRA (age 67)$2,400

Reduction vs. FRA benefit$720 / mo (30.0%)

Full Retirement Age is 67 for people born in 1960 or later. If you were born earlier, your FRA may be between 66 and 66 years and 10 months — adjust the field to match your situation. Delayed retirement credits stop accruing at age 70.

This calculator estimates the effect of claiming age using standard Social Security Administration adjustment rules, based on the benefit estimate you provide. It does not calculate your benefit from your earnings history. For your official, personalized estimate, visit ssa.gov/myaccount. This is a general educational estimate, not a guarantee of any specific benefit amount.

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