Social Security Quick Calculator
Estimate your Social Security retirement benefit from your earnings using the 2026 formula, see what you'd get at each claiming age from 62 to 70 and the break-even ages, and estimate an SSI payment from countable income.
Social security quick calculator
SSI income calculator (supplemental security income)
Quick SS estimator: how this works
Social Security bases your benefit on your 35 highest years of earnings, indexed for wage growth, averaged into AIME. The 2026 formula gives 90% of the first $1,286 of AIME, 32% of AIME up to $7,749, and 15% above that: your primary insurance amount (PIA), the benefit at full retirement age. The calculator assumes your current earnings, in today's dollars, for the years you enter (zeros for missing years) and up to the 2026 taxable maximum of $184,500, much like SSA's own quick calculator. For your exact figure, enter the benefit from your my Social Security statement.
Example: $65,000 a year for 35 years: AIME $5,417, PIA = 0.9 × 1,286 + 0.32 × (5,417 − 1,286) = $2,479 a month at 67; $1,735 at 62 (70%) and $3,074 at 70 (124%).
Social security age of retirement chart
| Born | Full retirement age | At 62 you get |
|---|---|---|
| 1943–1954 | 66 | 75% |
| 1955 | 66 and 2 months | 74.2% |
| 1956 | 66 and 4 months | 73.3% |
| 1957 | 66 and 6 months | 72.5% |
| 1958 | 66 and 8 months | 71.7% |
| 1959 | 66 and 10 months | 70.8% |
| 1960 or later | 67 | 70% |
Claiming early cuts the benefit by 5/9 of 1% per month for the first 36 months and 5/12 of 1% after that; waiting past full age adds 8% a year until 70. Benefits rise each year with the COLA (2.8% for 2026). If you work before full retirement age, $1 is withheld for every $2 earned over $24,480 ($65,160 in the year you reach full age, $1 for $3).
How to calculate Social Security break-even
Break-even is the age at which the total from claiming later catches up with claiming earlier. For the example, waiting from 62 to 67 breaks even at about 78.7; waiting from 67 to 70 at about 82.5. If you expect to live past those ages, waiting pays more over your lifetime; married higher earners should also weigh the survivor benefit, which is based on what the higher earner was receiving.
Life expectancy calculator (SSA) and Social Security mortality
SSA's actuaries publish period life tables; their online life expectancy calculator gives an average age by birth date and sex. Use that figure (or your family history) in the "age you plan for" box; the calculator compares lifetime totals at that age. This page doesn't reproduce SSA's tables.
Supplemental security income (SSI income)
SSI is a needs-based federal payment, separate from Social Security retirement, for people 65+, blind or disabled with limited income and assets ($2,000 individual / $3,000 couple). The 2026 federal maximum is $994 a month ($1,491 for a couple). SSA ignores $20 of most income and the first $65 of earnings plus half the rest, then subtracts what's left. With $400 a month of earnings and no other income: (400 − 20 − 65) ÷ 2 = $157.50 counts, so SSI is about $836.50. Many states add a supplement.
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Quick SS estimator, life expectancy calculator (SSA) and supplemental security income (SSI)
The quick SS estimator above follows the same approach as SSA's own quick calculator. For your personal average lifespan, the life expectancy calculator SSA publishes gives an estimate to use in the planning-age box. Supplemental security income SSI payments are covered in the SSI section above.
Common questions
How is Social Security calculated?
Your 35 highest indexed earning years are averaged into AIME; the 2026 formula pays 90% of the first $1,286, 32% up to $7,749 and 15% above.
How much will I get from Social Security?
On $65,000 a year for 35 years, about $2,479 a month at 67 in today's dollars.
What is the full retirement age?
67 for anyone born in 1960 or later.
When should I claim Social Security?
Compare break-even ages: about 79 for 62 vs 67 and about 82 to 83 for 67 vs 70.
How much is SSI in 2026?
Up to $994 a month for an individual and $1,491 for a couple, before state supplements.
Sources
- SSA: 2026 Social Security changes fact sheet
- SSA: Primary insurance amount formula
- SSA: Retirement age and benefit reduction
- SSA: Understanding SSI income
- Financewonk: Social Security 2026 numbers (bend points)
Related
General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.