Estimate a monthly Social Security retirement benefit from birth year, full-retirement-age benefit, and claiming age.
Born 1962, claiming at 67
Use my Social Security or SSA calculators for your real earnings record, spouse or survivor rules, work earnings tests, taxes, Medicare timing, and COLA changes.
Compare claiming at 62, full retirement age, and 70.
Use your SSA full-retirement-age benefit estimate as the starting point.
See the monthly and annual effect of claiming age.
Plan questions before using official SSA tools.
$2,400 monthly and $28,800 yearly
$1,680 monthly after a 30% reduction
$3,224 monthly after a 24% delayed credit
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Compare claiming at 62, full retirement age, and 70. Use your SSA full-retirement-age benefit estimate as the starting point. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Birth year means used to estimate full retirement age. People born in 1960 or later use age 67 in this simple model. Monthly benefit at full retirement age means the number to copy from an official SSA estimate when possible, not a guess from salary alone. Claiming age means the age from 62 through 70 that the calculator uses for early reduction or delayed-credit math.
In plain language: The calculator estimates full retirement age from birth year, then applies early claiming reductions before full retirement age or delayed retirement credits after full retirement age through age 70. Start with an official SSA monthly benefit at full retirement age when possible. Then test one claiming age at a time so you can see whether the change comes from early reduction or delayed credits.
Monthly benefit is the rough benefit at the claiming age entered. Adjustment percent shows the change from the full-retirement-age benefit. Annual estimate is the monthly estimate multiplied by 12.
This does not access SSA records, rebuild your 35-year earnings history, model spousal or survivor benefits, apply WEP or GPO rules, calculate work earnings tests, estimate taxes, price Medicare, forecast COLA changes, or replace an official SSA estimate. Use your my Social Security account, SSA calculators, spouse or survivor rules, earnings-test rules, Medicare timing, tax rules, and household cash needs before deciding when to claim.
Double-check birth year, full retirement age, and the SSA estimate you copied. A wrong FRA benefit makes every claiming-age result wrong.
Use your my Social Security account or another official SSA estimate when you can. This calculator starts from that number; it does not rebuild your earnings record from scratch.
No. SSA delayed retirement credits stop at age 70. This calculator lets you test ages 62 through 70 only.
No. It shows claiming-age math only. If you work while claiming before full retirement age, SSA earnings-test rules can withhold some benefits, so check official SSA guidance before relying on the result.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.