Social Security Benefit Estimator
Use your recent pay to get a rough monthly benefit range at age 62, full retirement age and age 70. Then compare it with your official Social Security Statement.
Enter your details
Enter your birth date, recent salary and years worked.
What this estimate tells you
The full retirement age amount is the estimated benefit from your own work record. Claiming at 62 permanently reduces that monthly amount. Waiting beyond full retirement age adds delayed retirement credits until age 70.
Why salary alone can miss the mark
A worker whose pay rose sharply late in a career may see an estimate that is too high. A worker whose recent pay is temporarily low may see one that is too low. Years with no covered earnings also lower the real calculation when there are fewer than 35 earning years.
What marital status changes
Marital status does not change the retirement benefit earned on your own record. A spouse or qualifying former spouse may have an additional benefit based on another person's record. That cannot be calculated from your salary alone.
Use the result well
- Compare the estimate with your Social Security Statement.
- Check the earnings history for missing or incorrect years.
- For a couple, compare both workers' estimates and survivor needs.
- Do not treat the age-70 amount as a reason everyone should delay; health, work and available savings matter.
Compare what claiming at 62, full retirement age or 70 means for your plan.
Educational estimate: This is not an official SSA calculation or a promise of benefits. It uses the 2026 PIA bend points and taxable wage base with a simplified career-earnings assumption. Laws and benefit formulas can change.
Educational purposes only — read the Financial & Educational Disclaimer