Get a benefits estimate

How we estimate your benefit amount

We calculate your benefits based on your work earnings. The more you earn and pay Social Security taxes (FICA), the higher your benefit payment. If you continue working after applying, and those years are among your top earning years, your benefits will increase to reflect the extra taxes you paid.


We only tax and count work earnings up to a certain amount each year. In 2025, the limit is $176,100. Anything you earn above that won’t increase your benefits. We also don’t count other income, like pensions or investments.


Your account shows personalized estimates based on your earnings.


You won’t see an estimate if you don’t qualify yet

As you work, you earn “credits” that help you qualify for benefits. In 2025, you get one credit for every $1,810 you earn, up to four per year. The number of credits you need depends on the benefit you’re applying for. 

Your account shows how many credits you have and how many more you might need.