Social Security Estimator
Estimate your Social Security retirement benefits. Enter your average indexed monthly earnings (AIME), full retirement age, and planned claiming age to see your estimated monthly and annual benefits, including any early or delayed retirement adjustments.
Social Security Estimator
FAQ
What is Average Indexed Monthly Earnings (AIME)?
AIME is calculated by taking your 35 highest-earning years, adjusting them for wage inflation, dividing by the total number of months in those years (420), and rounding down. It is the basis for determining your Social Security benefit amount.
How does claiming age affect my benefits?
Claiming before your full retirement age reduces benefits by up to 30%. Delaying past full retirement age increases benefits by 8% per year up to age 70. Each month of difference changes the benefit proportionally.
What is the full retirement age?
Full retirement age (FRA) is when you can claim full Social Security benefits. For those born in 1960 or later, FRA is 67. For earlier birth years, it ranges from 65 to 67. You can claim as early as 62 with reduced benefits.