Social Security Benefits Calculator

Claim at	Monthly benefit	Total by 85
62	$1,922.12	$530,504
63	$2,059.41	$543,684
64	$2,196.70	$553,569
65	$2,379.76	$571,143
66	$2,562.82	$584,323
67 (full retirement age)	$2,745.88	$593,110
68	$2,965.55	$604,972
69	$3,185.22	$611,562
70	$3,404.89	$612,880

Claim at

Monthly benefit

Total by 85

$1,922.12

$530,504

$2,059.41

$543,684

$2,196.70

$553,569

$2,379.76

$571,143

$2,562.82

$584,323

67 (full retirement age)

$2,745.88

$593,110

$2,965.55

$604,972

$3,185.22

$611,562

$3,404.89

$612,880

How this calculator works

Your average indexed monthly earnings run through the 2026 benefit formula: 90% of the first $1,286, 32% up to $7,749 and 15% above. That's your benefit at full retirement age, 67. Claiming early cuts it by up to 30%; waiting adds 8% a year until 70.

Worked example

With the example values below: Monthly benefit at 67, $2,746 (full-retirement-age benefit $2,746). Change any number above to run your own.

What you enter

Input	Example
Current age	40
Average annual earningsAverage of your best 35 years, in today's dollars	$75,000
Age you plan to claim	67

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Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.