Social Security Calculator

Estimate your future Social Security benefits based on your earnings history and claiming age.

You are claiming at your full retirement age, so you will receive 100% of your benefit amount.

Delaying your claim to age 70 could increase your monthly benefit to approximately $0.00.

The "break-even age" is when the total benefits received from delaying outweigh the benefits of claiming early:

If you expect to live beyond age 79, delaying Social Security typically results in more lifetime benefits.

These estimates are based on current laws, which may change.
The calculation uses a simplified formula - for official estimates, visit ssa.gov.
If you're still working while collecting benefits before your full retirement age, your benefits may be temporarily reduced.
Social Security benefits may be partially taxable depending on your total income in retirement.

How to Use This Calculator

This calculator helps you make informed financial decisions by providing accurate estimates based on the information you provide. Follow these steps:

Fill in all required fields with your financial information.

Use sliders and toggles to customize scenarios and assumptions.

Get instant calculations that update as you change inputs.

Try different scenarios to find the best financial solution.