Social Security Benefits Calculator
Estimate monthly Social Security retirement benefits based on earnings history and claiming age.
Last updated: 2026-06-01
Your Information
65.00 Thousand
Your Social Security Estimate
Full Retirement Age
67
At 62 (Early)
$1,207/mo
At Full Age
$1,724/mo
At 70 (Delayed)
$2,138/mo
Monthly Benefit by Claiming Age
When Should You Claim?
Delaying from 62 to 70 increases your monthly benefit by 77%. If you expect to live past 72, waiting to full retirement age pays off.
Estimated total benefits by claiming age (assuming life expectancy of 85)
Plan Your Complete Retirement
Combine Social Security with 401(k) and IRA savings for a comfortable retirement.
Data sources
Rates and thresholds on this page are based on official publications. Verify against the source for your specific circumstances.
- Social Security Administration — verified 2026-06-01 · Retirement benefits estimates
Uses simplified SSA formulas. Official estimates are at ssa.gov. Benefits may change with legislation.
Related guides
- How Much Money Do You Need to Retire?
Use the 25× rule, 4% withdrawal rate, and Social Security to estimate your US retirement number.
- Retirement Planning: Building Your Future
Plan your retirement effectively with our comprehensive guide and retirement planning tools.