Calculate your estimated Social Security retirement benefits based on your earnings history and retirement age. Plan your retirement with accurate benefit projections.
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Enter your information and click calculate to see your estimated Social Security benefits.
Our Social Security calculator helps you estimate your retirement benefits based on your earnings history and planned retirement age. Social Security provides a foundation for retirement income, but understanding how benefits are calculated is crucial for retirement planning.
The Social Security Administration uses your highest 35 years of earnings to calculate your Primary Insurance Amount (PIA). Our Social Security benefits calculator estimates this based on your current earnings and work history. Benefits are adjusted for inflation and wage growth over time.
Your full retirement age depends on your birth year. For those born in 1960 or later, it's age 67. Claiming benefits early (as early as age 62) reduces your monthly payment permanently. Delaying benefits past full retirement age increases them by 8% per year until age 70.
Our Social Security calculator for married couples helps spouses understand their benefit options. You may be eligible for benefits based on your spouse's work record, typically up to 50% of their full retirement benefit. This is especially important for couples with significant earnings differences.
The Social Security break-even calculator feature helps determine the optimal age to claim benefits. While claiming early provides benefits sooner, waiting often results in higher lifetime payments if you live beyond the break-even age (typically in your early 80s).
Government employees with pensions may be subject to the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). Our Social Security windfall elimination provision calculator helps estimate how these rules might affect your benefits.