2026 COLA applied — 2.8% increase reflected in your estimate Free Newsletter

Social Security Benefit Estimator

See your estimated monthly benefit at 62, 67, and 70 side by side, in plain language — plus the age where waiting starts to pay off.

Nothing you enter is saved or shared Takes about 2 minutes 2026 SSA rules & COLA applied
Step 1 of 1

Tell us a bit about your benefit

This determines your Full Retirement Age (FRA).

Find this on your my Social Security statement — it's labeled your "estimated benefit at full retirement age."

This runs entirely in your browser. We don't collect, store, or transmit anything you type here.

Your breakeven age

What this means for you

Estimate retirement taxes
This estimator uses your self-reported Full Retirement Age benefit and applies the SSA's published early-claiming reduction and delayed retirement credit formulas. It is for informational purposes only, is not an official SSA benefit calculation, and is not affiliated with the Social Security Administration. Your actual benefit depends on your full earnings history — confirm your numbers at ssa.gov/myaccount before making claiming decisions.