Social Security Estimator
Estimate your Social Security benefits based on your earnings history.
Average of your highest 35 years
Earliest: 62, Latest: 70
Understanding Social Security
How it's calculated: Benefits are based on your highest 35 years of earnings, indexed for inflation. A formula converts this to your Primary Insurance Amount (PIA).
Full Retirement Age: Currently 66-67 depending on birth year. You receive 100% of your PIA at FRA.
Early claiming (62): Reduces benefits by 5-6.7% per year before FRA. The reduction is permanent.
Delayed claiming (up to 70): Increases benefits by 8% per year after FRA. No additional credit after 70.
This calculator provides estimates for educational purposes only.