Social Security Calculator
Estimate your monthly US Social Security benefit from your AIME and claiming age.
Assumptions used in this calculation
- 2025 bend points, full retirement age 67: Uses the SSA's 2025 PIA bend points ($1,226 / $7,391) and assumes a full retirement age of 67 (born 1960 or later), both of which the SSA updates periodically.effective 2025 · Social Security Administration
About this calculator
Social Security benefits aren't a flat percentage of your salary, they're computed through a specific, progressive formula applied to your career-average earnings, and the exact age you choose to start claiming can shift your monthly check by a large margin in either direction, details most people never see spelled out before they're actually filing. This calculator applies the SSA's own Primary Insurance Amount formula, 90% of your Average Indexed Monthly Earnings (AIME) up to the first bend point, 32% of the amount between the first and second bend point, and 15% of anything beyond that, then adjusts the resulting PIA up or down based on whether your chosen claiming age is before, at, or after your full retirement age. Enter your AIME (an SSA-calculated average of your 35 highest-earning years, indexed for wage growth) and your intended claiming age to see both your full PIA and your adjusted estimated monthly benefit at that age, useful for comparing the trade-off between claiming early at a reduced rate versus delaying for a larger permanent monthly benefit.
Worked example
$5,000 AIME, claiming at full retirement age (67)
Result: Estimated benefit ≈ $2,200/month
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