If you were born in 1957 your full retirement age is 66 and 6 months

You can start your Social Security retirement benefits as early as age 62, but the benefit amount you receive will be less than your full retirement benefit amount.

The chart below provides examples of the percentage of your full retirement benefit amount you and your spouse would receive from age 62 up to your full retirement age.

How Your Social Security Benefit Is Reduced

If you start getting benefits at age* And you are the: Wage Earner, the benefit amount you will receive is reduced to And you are the: Spouse, the benefit amount you will receive is reduced to
62 72.5% 33.8%
62 + 1 month 72.9 34.0
62 + 2 months 73.3 34.2
62 + 3 months 73.8 34.4
62 + 4 months 74.2 34.6
62 + 5 months 74.6 34.8
62 + 6 months 75.0 35.0
62 + 7 months 75.4 35.2
62 + 8 months 75.8 35.4
62 + 9 months 76.3 35.6
62 + 10 months 76.7 35.8
62 + 11 months 77.1 36.0
63 77.5 36.3
63 + 1 month 77.9 36.5
63 + 2 months 78.3 36.7
63 + 3 months 78.8 36.9
63 + 4 months 79.2 37.1
63 + 5 months 79.6 37.3
63 + 6 months 80.0 37.5
63 + 7 months 80.6 37.8
63 + 8 months 81.1 38.2
63 + 9 months 81.7 38.5
63 + 10 months 82.2 38.9
63 + 11 months 82.8 39.2
64 83.3 39.6
64 + 1 month 83.9 39.9
64 + 2 months 84.4 40.3
64 + 3 months 85.0 40.6
64 + 4 months 85.6 41.0
64 + 5 months 86.1 41.3
64 + 6 months 86.7 41.7
64 + 7 months 87.2 42.0
64 + 8 months 87.8 42.4
64 + 9 months 88.3 42.7
64 + 10 months 88.9 43.1
64 + 11 months 89.4 43.4
65 90.0 43.8
65 + 1 month 90.6 44.1
65 + 2 months 91.1 44.4
65 + 3 months 91.7 44.8
65 + 4 months 92.2 45.1
65 + 5 months 92.8 45.5
65 + 6 months 93.3 45.8
65 + 7 months 93.9 46.2
65 + 8 months 94.4 46.5
65 + 9 months 95.0 46.9
65 + 10 months 95.6 47.2
65 + 11 months 96.1 47.6
66 96.7 47.9
66 + 1 month 97.2 48.3
66 + 2 months 97.8 48.6
66 + 3 months 98.3 49.0
66 + 4 months 98.9 49.3
66 + 5 months 99.4 49.7
66 + 6 months 100.0 50.0
*If your birthday is on the 1st of the month, we figure your benefit as if your birthday were in the previous month.