Social Security Calculator
Rough estimate of your monthly Social Security retirement benefit — and how much claiming early costs you versus waiting until 70.
Estimated Monthly Benefit
$0
At 62 (30% reduction)$0
At 67 — Full Retirement Age$0
At 70 (+24% delayed credits)$0
Annual Benefit at Your Chosen Age$0
Lifetime Difference: 70 vs 62 (to age 85)$0
Simplified estimate using the Social Security PIA formula (90% / 32% / 15% of average indexed monthly earnings across the 2026 bend points, income capped at the $184,500 taxable maximum). Assumes steady career earnings over 35+ years — your official record-based estimate is at ssa.gov/myaccount. Full retirement age is 67 for anyone born 1960 or later; benefits get annual cost-of-living increases. Estimates only.