Estimate your monthly Social Security retirement benefit with the official SSA primary insurance amount (PIA) formula, 2025 bend points, your full retirement age by birth year, early-retirement reductions and delayed-retirement credits.
| Claim age | % of PIA | Monthly benefit |
|---|
Estimates use the 2025 bend points ($1,226 and $7,391), the official PIA formula (90% / 32% / 15%), monthly reductions of 5/9% of PIA for the first 36 early months and 5/12% thereafter, and delayed-retirement credits of 8% per year after FRA. Your AIME is approximated from current earnings × indexed work years ÷ 35; for the most accurate number, use your complete earnings record from ssa.gov/myaccount.
Uses the exact SSA PIA calculation with 2025 bend points — not a rough percentage of your income.
Full retirement age ranges from 66 to 67 depending on your birth year, applied precisely.
See the exact dollar difference between claiming at 62, your FRA, and waiting until 70.
All calculations run locally in your browser. Nothing is sent anywhere.
Plan your claiming age, withdrawals and savings with confidence.