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Social Security Calculator
Estimate a retired-worker benefit using your average indexed monthly earnings (AIME), the year you turned 62, and a claiming age from 62 to 70. This simple estimate does not access your Social Security record.
How does this Social Security estimate work?
The Social Security Administration applies 90%, 32% and 15% rates to parts of AIME. The bend points depend on the year you first become eligible. For example, a 2026 AIME of $5,825 gives a primary insurance amount (PIA) of $2,609.80 before age adjustments.
Frequently asked questions
How does this Social Security estimate work?
The Social Security Administration applies 90%, 32% and 15% rates to parts of AIME. The bend points depend on the year you first become eligible. For example, a 2026 AIME of $5,825 gives a primary insurance amount (PIA) of $2,609.80 before age adjustments.
Does this calculator access my Social Security account?
No. It does not ask for a Social Security number, sign-in or earnings record. Your inputs are calculated in this browser and are not uploaded or saved by this tool.
What is AIME in Social Security?
AIME means average indexed monthly earnings. SSA calculates it from a worker’s earnings record after wage indexing and other rules. This tool needs the AIME from your SSA estimate; it does not reconstruct it from a few salary inputs.
What are Social Security bend points?
Bend points are the dollar thresholds that split AIME into portions. For 2025 they are $1,226 and $7,391; for 2026 they are $1,286 and $7,749. SSA applies 90%, 32% and 15% to the respective portions.
Does claiming at 62 or 70 change the estimate?
Yes. For the 2025–2026 age-62 cohorts, this estimate uses a full retirement age of 67, SSA’s early-claim reduction formula, and delayed retirement credits of two-thirds of 1% per month through age 70. Actual benefits can include other adjustments.
Is this an official Social Security benefit quote?
No. It is an educational calculation from AIME and selected assumptions, not an SSA decision or personalized quote. SSA has your complete earnings record and should be used for an official estimate.