Social Security Benefits Estimator
Illustrative monthly benefit from your AIME and claiming age, using the real SSA formula structure.
🔒 Runs entirely in your browser — nothing here is ever uploaded
About the Social Security Benefits Estimator
Illustrates how the US Social Security benefit formula works — converting an average lifetime monthly earnings figure (AIME) into a Primary Insurance Amount (PIA) via the real 2026 bend-point structure, then adjusting for claiming age — as an educational simplification, not a personalized benefit prediction.
- Enter your estimated average lifetime monthly earnings (AIME).
- Select a claiming age from 62 to 70.
- Read your illustrative monthly benefit, your PIA, and how the benefit changes across every claiming age.
An AIME of $6,000: PIA = 90%×$1,286 + 32%×($6,000−$1,286) = $2,665.80. Claiming at 67: $2,665/month. Claiming at 62 (70% of PIA): $1,866/month. Delaying to 70 (124% of PIA): $3,305/month.
| Claiming age | % of PIA |
|---|---|
| 62 | 70% |
| 63 | 75% |
| 64 | 80% |
| 65 | 86.67% |
| 66 | 93.33% |
| 67 (FRA) | 100% |
| 68 | 108% |
| 69 | 116% |
| 70 | 124% |
This is a simplified educational illustration built on the real SSA benefit-formula structure — not a personalized prediction. It assumes a flat AIME you type in, assumes FRA = 67 (true only for people born 1960 or later), and doesn't account for spousal/survivor benefits, WEP, COLA, or taxation of benefits. For your real number, use your ssa.gov 'my Social Security' account.
- • Every year you delay claiming past Full Retirement Age (up to 70) permanently increases your monthly benefit by about 8%/year.
- • Claiming before Full Retirement Age permanently reduces your monthly benefit, even though you receive more individual payments over more years.
- • This tool assumes FRA = 67, true only for people born 1960 or later.
- Social Security Administration — Benefit Formula Bend Points — accessed 2026-08-30
- Social Security Administration — Full Retirement Age chart — accessed 2026-08-30
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.