The best way to plan for your retirement is to create a personal my Social Security account. With my Social Security, you can verify your earnings, review your Social Security Statement, and much more.
We also have a variety of online calculators to help you with your planning. These tools may require you to access your official Social Security earnings record. The simplest way to do that is to create or sign in to your personal my Social Security account.
my Social Security Retirement Calculator
Compare retirement estimates for ages 62, your full retirement age (FRA), and 70 based on your earnings record. You can also calculate personalized retirement benefit estimates by entering different future annual earnings and the date or age you want to begin receiving benefits.
Retirement Age Calculator
Find out your FRA, the age when you become eligible for unreduced retirement benefits. You can learn how your monthly benefit amount may be reduced if you start getting benefits as early as age 62 and the incremental monthly increase for each month you delay benefits until you reach FRA.
Detailed Calculator
Compute historical benefits as well as estimates of your future retirement, disability, and survivor benefits based on your age, earnings, and type of benefit. Windows or Mac version must be downloaded and installed on your computer.
Early or Late Retirement Calculator
Compute the effect on your benefit amount if you file for early or delayed retirement benefits. With delayed retirement credits, you can receive your largest benefit by delaying until age 70.
Earnings Test Calculator
Learn how your earnings may affect your retirement, spouse, or survivor benefit amounts if you work and are eligible for benefits this year. Enter your date of birth, estimated earnings, and monthly benefit amount.
Benefits for Spouses Calculator
Compute the effect of early retirement on spouse's benefits.
Life Expectancy Calculator
Estimate the average number of years you (or your spouse) can expect to live based only on your sex and date of birth.
Online Calculator
The Online Calculator does not access your earnings record. Enter all your earnings from your Social Security Statement to get your estimated retirement, disability, and survivor benefits as well as estimated surviving spouse and child benefits. You can choose to show the estimates in today’s dollars or future (inflated) dollars based on our estimates of how inflation could affect your benefit amount.
Quick Calculator
You can get a rough estimate of your retirement benefit in today's dollars or future dollars when you enter your date of birth, this year's earnings, and the date you intend to stop working. The Quick Calculator does not access your earnings record.