Estimate Your Benefit

Provides accurate estimates of your retirement benefit at different ages by accessing your earnings record through a secure interface. You can not use this calculator if you are receiving a benefit based on your own earnings record. In addition, you must be permanently insured to use the Retirement Estimator.

Other calculators, listed below, are less restrictive but require you to enter your earnings.

Provides rough estimates of your retirement benefit based on your current earnings. Also provides estimated disability and survivor benefits if you die or become disabled today.

To use the Online Calculator, you must have a copy of your earnings record because you will need to enter your covered earnings for each year. This calculator is more accurate than the Quick Calculator. (The Online Calculator requires that your browser be JavaScript-enabled.)

A special-purpose version of the Online Calculator provides benefit estimates under the Windfall Elimination Provision (WEP) for those who receive a pension from work not covered by Social Security. None of the calculators listed above can provide such benefit estimates.

To use this program, you need to install it on your computer. This program is the most powerful of all the calculators and is capable of computing almost any type of Social Security benefit.

Calculator Question?

If you have questions or comments about the Detailed Calculator, please visit our Contact Social Security page for ways to contact us. Remember to use "Detailed Calculator" as the subject so we know which calculator your question or comment refers to.

Related information

Advice on when to begin receiving retirement benefits

If you are under your normal retirement age when you choose to begin receiving benefits, your benefit will be reduced.
If you are under your normal retirement age and you continue to work while receiving benefits, you may be subject to the retirement earnings test. We can show the effect of your earnings on your benefits.

Basis for retirement benefit computations

Approximate factors used to adjust earnings for a selected eligibility year