Retirement
Social Security Benefit Estimator
A quick estimate of your monthly Social Security check.
Your numbers
Estimated monthly benefit-
Annual benefit-
Benefit at full retirement (67)-
How it works
Social Security applies three rates across income ‘bend points’ to your average indexed monthly earnings. Claiming at 62 reduces the benefit by about 30%; waiting until 70 raises it by about 24%. This is a rough estimate because the SSA uses your highest 35 indexed years.
PIA = 90% / 32% / 15% across the 2025 bend points
Estimates only, for education. See our disclaimer.