Retirement Planning
Social Security Calculator
Estimate your Social Security retirement benefits. See how claiming age affects your monthly benefit.
Your Information
Enter your work history and claiming preferences
$
Average of your highest 35 years of earnings
Your Full Retirement Age: 67.0 years
Estimated Benefits
At age 67
Monthly Benefit
$2,711
Annual Benefit
$32,533
Lifetime (to 85)
$585,593
Monthly Benefit by Claiming Age
At 62 (Earliest)$1,898
At 67 (FRA)$2,711
At 70 (Maximum)$3,362
Note: This is an estimate based on simplified calculations. For accurate benefits, use SSA.gov's calculator with your actual earnings history.
When to Claim Social Security
Claim at 62
Up to 30% reduction
Consider if:
- You need the income now
- Health concerns
- Job loss before FRA
Claim at FRA
Full benefit (100%)
Consider if:
- Balanced approach
- Average health/longevity
- Retiring around FRA
Claim at 70
Up to 32% increase
Consider if:
- Can afford to wait
- Good health/longevity
- Higher lifetime benefits