🏛️ Social Security Benefits Calculator
Personal Information
Determines Full Retirement Age (FRA)
AIME - Average Indexed Monthly Earnings
About Social Security Benefits
Social Security is a federal retirement benefits program. Your benefit amount is based on your average lifetime earnings, birth year, and claiming age.
Key Ages
- •62: Earliest claiming age, benefit permanently reduced (up to 30%)
- •67: Full Retirement Age for those born 1960+
- •70: Maximum benefit age, 8% per year delayed credits
How to maximize Social Security?
Delay to 70 for maximum monthly benefit (~76% more than age 62). Also ensure at least 35 years of earnings, as benefits are based on your highest 35 years.