Social Security Calculator

Rough PIA estimate — bend points + early/late claiming adjustment.

Approximate 35-year average

62 (early) to 70 (delayed)

Result

Monthly benefit est.$2,311.08
Annual$27,732.96
At 62$1,617.76
At 70$2,865.74

Social Security Calculator — FAQs

How is Social Security calculated?

From your 35 highest earning years → AIME → PIA via bend points. Claiming at 62 cuts it ~30%; delaying to 70 adds ~8%/yr.

Is this accurate?

It's a bend-point approximation — the SSA's own calculator uses your actual earnings record and is more precise.

When should I claim Social Security?

62 gives less for longer; 70 gives ~24% more monthly. Break-even is typically ~age 80 — health and other income decide.

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