Social Security Benefit Estimator

Project your monthly income from the Social Security Administration based on 2024 standards.

Benefit Base

Estimated Monthly Benefit at FRA ($)

Look up your "Primary Insurance Amount" on ssa.gov

Birth Year

Retiring at 62 reduces your monthly check by up to 30%, while waiting until 70 increases it by 24% or more.

Social Security Projection

Age 70 Benefit: $2,480

Early Retirement

$1,400

70.0% of base

Early Retirement

$1,500

75.0% of base

Early Retirement

$1,600

80.0% of base

Early Retirement

$1,733

86.7% of base

Early Retirement

$1,867

93.3% of base

Full Retirement Age

$2,000

100.0% of base

Delayed Credit

$2,160

108.0% of base

Delayed Credit

$2,320

116.0% of base

Delayed Credit

$2,480

124.0% of base

The Waiting Game

Every year you wait past 67 adds 8% to your check for life.

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Understanding US Social Security

Social Security benefits are designed to replace about 40% of your pre-retirement income. The amount you receive depends heavily on two factors: your highest 35 years of earnings and the age at which you choose to start receiving benefits.

Full Retirement Age (FRA)

For anyone born in 1960 or later, the Full Retirement Age is 67. This is the age where you receive 100% of your Primary Insurance Amount (PIA).

The Impact of Waiting

If you delay benefits until age 70, you earn "Delayed Retirement Credits" of 8% per year. This can result in a monthly check that is 76% higher than if you started at 62.

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