Social Security Calculator

Personal Information

Birth Year

Current Age years

Gender (affects life expectancy)

Earnings Information

Current Annual Earnings $

Annual Earnings Growth Rate %

Years Already Worked years

Average Past Annual Earnings $

How it works: Social Security benefits are calculated using your highest 35 years of earnings, adjusted for inflation. The calculator estimates your Average Indexed Monthly Earnings (AIME) and applies the benefit formula to determine your Primary Insurance Amount (PIA).

Monthly Benefit Estimates

Benefit Comparison Chart

Calculation Details

Full Retirement Age (FRA): -

Average Indexed Monthly Earnings (AIME): -

Primary Insurance Amount (PIA): -

Estimated Working Years (Total): -

Lifetime Benefits Analysis

Life Expectancy: -

Total Lifetime Benefits (if claiming at 62): -

Total Lifetime Benefits (if claiming at FRA): -

Total Lifetime Benefits (if claiming at 70): -

Break-even age (FRA vs Age 62): -

Important Considerations:

These are estimates based on current law and may change
Your actual benefit statement from SSA will be more accurate
Consider your health, family longevity, and financial needs when deciding when to claim
Spousal and survivor benefits are not included in these calculations

Legal Disclaimer: This calculator provides estimates based on current Social Security Administration rules and formulas. Actual benefits may differ based on your complete earnings history, future changes to Social Security law, cost-of-living adjustments, and other factors. This tool is for educational purposes only and should not be considered financial advice. For official benefit estimates and personalized retirement planning, please:

• Visit ssa.gov and create your my Social Security account for official estimates
• Consult with a qualified financial advisor
• Consider all sources of retirement income, not just Social Security