Social Security Estimator

Estimate your monthly benefit at every claiming age from 62 to 70, and see how long you need to live for waiting to pay off. For the official number, check your statement at ssa.gov/myaccount.

Your earnings record

A simple model: it assumes you earned a steady average over your working years. Your real statement uses your actual indexed earnings.

Birth year

Years you worked (or will work)

Only your best 35 years count

Average yearly earnings, in today's dollars

Earnings above the wage base ($184,500) are not counted

Planning age (how long you may live)

Age

Total benefits collected by age

Each line adds up the checks received. The line that is highest at your planning age wins.

Every claiming age

Method: average indexed monthly earnings (AIME) from your best 35 years, then the 2026 primary insurance amount (PIA) formula: 90% of the first $1,286, 32% up to $7,749, and 15% above. Verify the bend points on ssa.gov, since they change each year.
Full retirement age follows birth year (66 for 1954 and earlier, rising two months a year to 67 for 1960 and later). Claiming early cuts the benefit 5/9 of 1% per month for the first 36 months and 5/12 of 1% after; waiting past full retirement age adds 2/3 of 1% per month up to age 70.
Shown in today's dollars with no cost-of-living adjustment, taxes, spousal or survivor benefits, or future law changes. The trust fund outlook may change future benefits; this does not model that.