Social Security Benefits Estimator
Estimate Social Security benefits from earnings history. See PIA calculation and benefits at 62, 67, and 70.
At Age 62
$1,922.00/mo
At Age 67 (FRA)
$2,746.00/mo
At Age 70
$3,405.00/mo
Benefit Estimates
| Avg Indexed Monthly Earnings (AIME) | $6,250.00 |
| Primary Insurance Amount (PIA) | $2,746.00 |
| Monthly at Age 62 | $1,922.00 |
| Monthly at Age 67 (FRA) | $2,746.00 |
| Monthly at Age 70 | $3,405.00 |
| Your Selected (Age 67) | $2,746.00 |
| Annual Benefit | $32,952.00 |
Lifetime Benefits (to Age 85)
| Claim at 62 (23 years) | $530,472.00 |
| Claim at 67 (18 years) | $593,136.00 |
| Claim at 70 (15 years) | $612,900.00 |
Use the Social Security Benefits Estimator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Our Social Security Benefits Estimator helps you project your future retirement income based on your complete earnings history. Understand how your past contributions translate into benefits at different ages, giving you a clearer picture for retirement planning.
This calculator uses the Social Security Administration's Primary Insurance Amount (PIA) formula. We'll calculate your Average Indexed Monthly Earnings (AIME) from your highest 35 years of indexed earnings, then apply the 2026 bend points (90% of the first $1,174, 32% of AIME between $1,174 and $7,073, and 15% of AIME over $7,073) to determine your PIA.
Remember, this is an estimate; actual benefits can be affected by future legislative changes or additional earnings. A common mistake is not considering how claiming age drastically impacts your monthly benefit – delaying can mean significantly more income.
Example: Sarah's Social Security Estimate
- 1 Enter your full earnings history, year by year, up to the present. You can typically find this on your annual Social Security Statement or by creating an account on SSA.gov. Don't worry about indexing; we'll handle that.
- 2 Click 'Calculate Benefits'. Our tool will index your earnings, determine your AIME, and then apply the 2026 PIA formula. We'll also adjust for claiming age factors.
- 3 View your estimated monthly benefit at ages 62 (early retirement), 67 (full retirement age for those born in 1960 or later), and 70 (maximum delayed retirement credits). You'll also see your calculated PIA.
- 4 Use these estimates to strategize your retirement date and savings goals. Compare potential benefits at different ages to understand the financial impact of claiming early versus delaying, and adjust your personal retirement plan accordingly.
Source: IRS · Last updated: April 2026
Frequently Asked Questions
How much will I get from Social Security in 2026?
When should I start claiming Social Security?
What is the maximum monthly Social Security payment at age 70 in 2026? (2)
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