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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.

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Social Security by claim age
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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

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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.