Estimate your monthly Social Security retirement benefit based on earnings history. Compare claiming at 62, 67 or 70 — includes break-even analysis, spousal benefits and COLA adjustments.
🏛️ Social Security Estimator
📌 Disclaimer: This is an estimate based on SSA's benefit formula. For your exact benefit, create a My Social Security account at ssa.gov. Estimates assume you continue earning at your current level until retirement.
👤 Personal Details
💰 Earnings History
💡 SS benefit is based on your highest 35 years of earnings, indexed for inflation. Enter your estimated average annual earnings (in today's dollars).
📅 Retirement Planning
📊 Benefit at Different Claiming Ages
62
Early Filing
—
—
Permanently reduced
67
Full Retirement Age
—
100%
Full benefit (PIA)
70
Maximum Benefit
—
—
+8% per year after FRA
🔍 Benefit Analysis
⚖️ Break-Even Age Analysis
At what age does waiting to claim become financially superior? Run calculator first.
Run the calculator first.
👫 Spousal & Survivor Benefits
Spousal Benefit Rules
If you are married, you can claim the HIGHER of:
1. Your own earned benefit
2. 50% of your spouse's Full Retirement benefit (PIA)
Spousal benefit eligibility:
- Married at least 1 year
- Spouse must be collecting their own benefit
- You must be at least 62
- No delayed credits apply to spousal benefit
(max is 50% of spouse PIA at your FRA)
Divorced spouse benefit:
- Marriage lasted at least 10 years
- Currently unmarried
- Age 62 or older
- Same as spousal — 50% of ex-spouse's PIA
Survivor Benefit Rules
If your spouse dies, you can receive survivor benefits:
100% of deceased spouse's benefit
(if you claim at your own FRA)
71.5% if claimed at age 60
Increases to 100% at your FRA
Survivor benefit strategy:
Take survivor benefit early, delay your own to 70
(or take your own early, switch to survivor later)
Child survivor benefits:
Children under 18 can receive 75% of deceased
parent's benefit (subject to family maximum)
📊 Spousal Benefit Estimator
📐 How Social Security Benefits Are Calculated
Step 1: Average Indexed Monthly Earnings (AIME)
1. SSA takes your 35 highest-earning years
2. Each year's earnings are indexed for wage inflation
3. Total indexed earnings divided by 420 months (35 yrs)
= AIME (Average Indexed Monthly Earnings)
If you worked fewer than 35 years:
Zero years are averaged in — this reduces your AIME.
Working more years replaces those zeros.
Step 2: Primary Insurance Amount (PIA)
PIA = Benefit formula applied to AIME (2025 bend points):
90% of first $1,226 of AIME
+ 32% of AIME between $1,226 and $7,391
+ 15% of AIME above $7,391
Example: AIME = $5,000
90% × $1,226 = $1,103
32% × ($5,000 - $1,226) = $1,207
Total PIA = $2,310/month
PIA = your benefit if you claim exactly at FRA.
Step 3: Adjustments for Claiming Age
Claim BEFORE FRA (62–67):
Benefit reduced by ~5/9% per month for first 36 mo
then 5/12% per month beyond 36 months
At 62 (FRA=67): -30% (70% of PIA)
At 64: -20% (80% of PIA)
Claim AT FRA (67):
100% of PIA — no adjustment
Claim AFTER FRA (up to 70):
+8% per year (0.667% per month) = Delayed Credits
At 68: +8% (108% of PIA)
At 69: +16% (116% of PIA)
At 70: +24% (124% of PIA) ← Maximum
2025 Social Security Facts
Maximum SS benefit at age 70 (2025): $5,108/month
Maximum SS benefit at FRA 67 (2025): $4,018/month
Average SS benefit (2025): ~$1,907/month
COLA 2025: 2.5%
SS Wage Base (2025): $176,100
SS Tax Rate: 6.2% employee
6.2% employer
Full Retirement Age (born 1960+): 67
Earnings test limit (under FRA, 2025):$22,320/yr