SSA Retirement Estimator tool
Planning for retirement? Understanding how much you’ll receive from Social Security benefits can help you make informed financial decisions. The SSA Retirement Estimator provides an estimate of your monthly Social Security benefit based on your birth year and average annual earnings.
How to Use the Tool:
- Enter your birth year – This determines your full retirement age as set by the Social Security Administration (SSA).
- Enter your average annual earnings – This is used to estimate your monthly benefit at full retirement age.
- Click “Estimate Benefits” – The tool calculates your estimated monthly Social Security income.
Understanding Your Benefits:
- Your full retirement age depends on your birth year.
- If born before 1960, your full retirement age is 66.
- If born 1960 or later, your full retirement age is 67.
- Claiming benefits before full retirement age reduces your monthly payout.
- Delaying benefits past full retirement age increases your monthly payout.
- This tool provides an estimate, but your official SSA statement will give the most precise benefit amount.
Why Use This Tool?
Helps you plan for retirement income. Provides quick and easy estimates without logging into SSA.gov. Gives you a general idea of your expected Social Security benefits.For more accurate information, visit the SSA Retirement Estimator on the official SSA website.
SSA Retirement Estimator
Estimate your monthly Social Security at different claim ages (rough approximation).
Full Retirement Age (FRA)
Monthly at FRA (PIA)
Monthly at Selected Age
| Claim Age | % vs. FRA | Est. Monthly |
|---|---|---|
| No estimate yet. | ||
Educational estimate based on 2024 bend points and generic assumptions. Early claiming reduces benefits; delaying increases (up to 70). Your real benefit uses your 35 highest earning years, indexing, and SSA rules. Always verify at ssa.gov/myaccount.
Disclaimer
This tool provides an estimated Social Security benefit based on general calculations and should not be considered official financial advice. Actual benefits may vary based on SSA records, taxes, earnings history, and government policies.
For official Social Security benefit amounts, visit the Social Security Administration (SSA) website or contact SSA representatives directly. 60AndOver.net is not responsible for financial decisions made based on this tool.
