Social Security Calculator
Estimate your monthly Social Security retirement benefit from your average indexed monthly earnings (AIME) using the simplified 2026 bend-point formula, adjusted for early or delayed claiming. Actual benefits depend on your full SSA earnings record.
Inputs explained
- Average indexed monthly earnings (AIME) — Your career-average monthly earnings after SSA indexing — roughly your average annual earnings divided by 12.
- Claiming age — 62 reduces the benefit to about 70% of the full amount; 70 increases it to about 124%.
How to use it
- Fill in the fields above — each input has a hint describing exactly what to enter
- Press Calculate to get your result instantly, right on this page
- Copy the result, save the tool to favorites, or share and embed it anywhere
Understanding the result
Example: With an AIME of $6,000 claiming at full retirement age, the estimated benefit is $2,665.88 per month.
Frequently asked questions
Why does claiming age change the benefit so much for the same AIME? Claiming before full retirement age applies a permanent reduction, while delaying past full retirement age applies delayed retirement credits that permanently increase the monthly benefit, so the same earnings history can produce quite different payouts depending on when you start.
Is AIME the same as my current salary? No — AIME (average indexed monthly earnings) is a career-long average of your highest-earning years adjusted for wage inflation, not your most recent or current monthly salary, so it typically differs from your latest paycheck.
Is the Social Security Calculator free to use? Yes — it is completely free, with no sign-up, no download and no usage limits. You can use it as often as you need.
Is my data private? Yes. The calculation runs entirely in your browser — the values you enter are never sent to our servers, stored or shared with anyone.
What information do I need? Just the following: Average indexed monthly earnings (AIME), Claiming age. Each field includes a hint explaining exactly what to enter.
Can I use it on my phone? Yes — the tool is fully responsive and works on any device, and the same calculator is available in the EasyWorkCalcs mobile app.
Privacy
Everything you enter into the Social Security Calculator is processed entirely in your browser. Nothing is uploaded, stored or shared — your data stays on your device.