Social Security Estimator
Estimate Social Security benefits from earnings history. Full retirement age by birth year. Early/delayed filing impact.
Highest 35 Years of Earnings
Enter your average annual earnings for each period or use the quick-fill option.
How Social Security Benefits Work
- Benefits are based on your highest 35 years of indexed earnings (AIME)
- The PIA formula applies bend points to your AIME to calculate benefits
- Filing before full retirement age permanently reduces benefits
- Delayed retirement credits add 8% per year up to age 70
- Spousal benefits can be up to 50% of the higher earner PIA
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