Social Security Calculator
Estimate your Social Security benefit.
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About the Social Security Calculator
Get a rough estimate of your Social Security retirement benefit. Enter your average annual earnings and the calculator applies the primary insurance amount (PIA) bend-point formula to estimate your monthly benefit at full retirement age, your annual benefit, and a reduced amount at age 62. Your official SSA statement is the authoritative source, but this shows the ballpark.
How to use the Social Security Calculator
- 01Enter your average annual earnings.
- 02Read the result instantly — it recalculates as you type.
- 03Adjust the numbers to model different scenarios.
Frequently asked questions
How is Social Security calculated?
From your 35 highest-earning years (indexed) via a formula with bend points that replaces a higher share of income for lower earners. This tool approximates it.
When should I claim?
Claiming at 62 permanently reduces benefits (~30%); waiting past full retirement age increases them. This tool shows the age-62 reduction.