Social Security Calculator
Estimate your monthly US Social Security retirement benefit from your income and claiming age, using the 2025 bend-point formula. Calculates in your browser.
Estimated monthly benefit
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Show the math
Your benefit comes from earnings run through the 2025 bend-point formula:
PIA = 90% × first $1,226 + 32% × ($1,226–$7,391) + 15% × rest
Earnings are capped at the $176,100 wage base and treated as your average indexed monthly earnings (AIME), a simplification, since the real figure uses your highest 35 years. Claiming before full retirement age reduces the benefit (about 5–7% per year early); delaying past it adds 8% per year up to age 70. This is a ballpark, not an official estimate. All math runs locally in your browser.
What this does
A Social Security calculator estimates your monthly US retirement benefit from your earnings and the age you start claiming, using the official 2025 benefit (bend-point) formula. It is a quick ballpark, not an official Social Security Administration estimate.
How to use it
- Enter your current annual income.
- Enter the age you plan to start benefits (62–70).
- Pick your full retirement age.
- Read the estimated monthly and yearly benefit.
How it works
Your earnings (capped at the $176,100 wage base) are treated as your average indexed monthly earnings, then run through the three bend-point brackets to get the primary insurance amount (PIA). Claiming early reduces it; delaying past full retirement age adds 8% a year up to 70.
PIA = 90% × first $1,226 + 32% × ($1,226–$7,391) + 15% × rest
Understanding your result
Waiting longer to claim raises the monthly check substantially — claiming at 62 cuts the benefit by about 30%, while waiting to 70 adds about 24% — but the right choice depends on your health, savings, and other income. This estimate simplifies the real calculation, which uses your highest 35 years of indexed earnings, so treat it as a starting point and check ssa.gov for your personalised figure.
Example
A $60,000 earner claiming at full retirement age (67) gets a PIA of roughly $2,310 a month.
Sources & methodology
- Social Security Administration — Benefit Formula Bend Points, 2025 PIA bend points
- Social Security Administration — Retirement Benefits, How benefits and claiming age work
Last updated .
Frequently asked questions
How accurate is this estimate?
It is a ballpark. The real benefit uses your highest 35 years of inflation-indexed earnings; this tool approximates that from your current income. For an official figure, create a my Social Security account at ssa.gov.
Should I claim early or wait?
Claiming at 62 permanently reduces your benefit by about 30% versus full retirement age, while waiting until 70 adds about 24%. The best choice depends on your health, savings, and need for income.
What is full retirement age?
It is the age at which you receive 100% of your calculated benefit — 67 for anyone born in 1960 or later. Claiming before it reduces the benefit; claiming after it increases it.
Is my data stored?
No. Everything is calculated locally in your browser.
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