Financial
Social Security Calculator
Estimate US Social Security monthly benefit at ages 62, 67 (FRA), and 70.
Inputs
Social Security Calculator
Result
Monthly benefit at age 67
$2,311.08
- Annual benefit
- $27,732.96
- At 62 (early)
- $1,617.76
- At 67 (FRA)
- $2,311.08
- At 70 (delayed)
- $2,865.74
How it's calculated
PIA = 90% × first $1,226 + 32% × next up to $7,391 + 15% above; adjusted by claim-age factor
Common questions
Is this exact?
It's an approximation using 2025 bend points and an assumed flat career income. Your official statement at ssa.gov uses your indexed 35 highest years.
Should I claim early?
Claiming at 62 permanently reduces your monthly check by ~30%. Delaying to 70 raises it by ~24% above FRA. Break-even is usually your late 70s or early 80s.
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