Estimate your US Social Security retirement benefit by claiming age.
The benefit starts from your average indexed monthly earnings (AIME) and a 90% / 32% / 15% formula. With $80,000 average earnings over 35 years, your benefit at full retirement age (67) is about $2,879.00 a month.
Social Security retirement benefits are based on your 35 highest years of wage-indexed earnings. This calculator averages your earnings (capped at the $184,500 wage base) into AIME, applies the 2026 bend points of $1,286 and $7,749 to get your primary insurance amount (PIA), and then adjusts it for your claiming age — 30% less at 62 and 24% more at 70 for people with a full retirement age of 67.
Your actual benefit depends on your real earnings record and annual indexing — your statement at ssa.gov is the authority. Delaying a claim increases the monthly benefit for life. See also the Retirement Calculator, the RMD Calculator and the Pension Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Average yearly earnings counted | $80,000.00 |
| Years counted (max 35) | 35 |
| AIME (average indexed monthly earnings) | $6,666.00 |
| PIA — 90% / 32% / 15% formula (2026 bend points) | $2,879.00 |
| Full retirement age | 67 years |
| Your claiming age | 67 → 100% of PIA |
| Claim at | Monthly benefit | Yearly benefit | % of PIA |
|---|---|---|---|
| Age 62 | $2,015.30 | $24,183.60 | 70% |
| Age 64 | $2,303.20 | $27,638.40 | 80% |
| Age 66 | $2,687.07 | $32,244.80 | 93.3% |
| Age 67 | $2,879.00 | $34,548.00 | 100% |
| Age 68 | $3,109.32 | $37,311.84 | 108% |
| Age 70 | $3,569.96 | $42,839.52 | 124% |
| Case | Monthly benefit |
|---|---|
| Earnings $40,000 | $1,812.40 |
| Earnings $80,000 | $2,879.00 |
| Earnings $120,000 | $3,563.20 |
| Earnings $80,000, claim at 62 | $2,015.30 |
| Earnings $80,000, claim at 70 | $3,569.96 |
From your 35 highest years of indexed earnings (AIME), a progressive formula gives the PIA, which is then adjusted for the age you claim.
The age at which you receive 100% of your PIA: 66 for those born in 1954 or earlier, up to 67 for those born in 1960 or later.
With a full retirement age of 67, claiming at 62 cuts your benefit by about 30%.
About 8% more for each year you delay past full retirement age, up to age 70 — 24% more if your FRA is 67.
$1,286 and $7,749 for people who become eligible in 2026. They change each year.
No. It is a simplified estimate. Your Social Security statement at ssa.gov uses your actual earnings record.
It uses the standard formula: PIA = 0.90 × min(AIME, 1,286) + 0.32 × (min(AIME, 7,749) − 1,286) + 0.15 × (AIME − 7,749) The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
