GGovCalcs
Retirement · Social Security

Social Security Calculator

How this works

PIA: 90% of the first $1,286 of AIME + 32% to $7,749 + 15% above (2026 bend points), then adjusted for the age you claim.

Claim age: earliest 62, full benefit at FRA, +8%/yr delayed credit to age 70.

Loading...

Keep going

RMD Calculator
Your required minimum distribution from the IRS Uniform Lifetime Table
Capital Gains Tax Calculator
0/15/20% long-term gains tax plus the 3.8% NIIT
Child Tax Credit Calculator
CTC, refundable ACTC, and the EITC in one number

Frequently asked questions

Common questions. Your exact number comes from the calculator above; every answer cites the official source.

How is my monthly benefit figured from my AIME?⌄
Social Security applies the year's bend points to your Average Indexed Monthly Earnings (AIME): 90% of the first slice, 32% of the next, and 15% above the second bend point, to get your Primary Insurance Amount (PIA), then adjusts for the age you claim. Your real benefit uses your full 35-year indexed earnings history on file with SSA. The calculator runs the formula from your AIME and birth year.
Source: SSA.gov benefit formula
How does my claim age change the benefit?⌄
Your Primary Insurance Amount (PIA) is the benefit at Full Retirement Age (FRA), which is 66-67 depending on birth year. Claiming as early as 62 permanently reduces it; delaying past FRA adds about 8% per year in delayed retirement credits up to age 70. The calculator computes your FRA from birth year and applies the exact early-reduction or delayed-credit percentage for the age you enter.
Source: SSA.gov retirement benefits
What is the COLA and do I have to claim it?⌄
The cost-of-living adjustment (COLA) is the automatic annual increase SSA applies to benefits to keep up with inflation. It is tied to the CPI-W, announced each October for the following January, and applied to your check with no action needed. The calculator uses the current-year figures so the estimate reflects the formula in effect now.
Source: SSA.gov cost-of-living adjustment

Get notified when rates change

Annual tax-bracket, Social Security COLA and credit changes, plus new calculators as they ship. No spam, unsubscribe one click.

What this covers. This estimates your Social Security retirement benefit from the 2026 SSA bend points, the Full Retirement Age table, and the early/delayed-claiming rules. Your real benefit depends on your full 35-year indexed earnings history on file with SSA. Check your personal my Social Security statement for your exact figures. Last updated 2026-06-22.