See a rough estimate of your monthly Social Security benefit at your chosen claiming age.
This calculator gives a rough monthly Social Security benefit estimate from your average annual earnings using 2025 bend points, a full retirement age of 67, and an adjustment for claiming between ages 62 and 70.
Social Security replaces a larger share of income for lower earners through a progressive formula with bend points that flatten the benefit as earnings rise. This tool approximates your primary insurance amount, the benefit payable at full retirement age, then adjusts it for the age you claim. Because it uses average annual earnings rather than your full 35-year indexed history, it is a rough planning figure, not the official number from the Social Security Administration.
Claiming at 62 permanently reduces your monthly benefit, while delaying past full retirement age earns delayed retirement credits up to age 70. Between 62 and 70 the difference can be substantial, often more than 70 percent higher at the top. The best age depends on your health, other income, and whether a spouse also draws benefits, so use your official statement at ssa.gov to confirm. Not financial advice.
It is a rough approximation using average earnings and 2025 bend points, so your actual benefit from the Social Security Administration may differ.
Delaying past full retirement age adds delayed retirement credits, raising your monthly amount by roughly 8 percent per year until age 70.
Yes, claiming before full retirement age locks in a lower monthly benefit for life, though it starts sooner.
See the exact formula and a worked example on our methodology page.