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Social Security Calculator

Worker born in 1964 first eligible for retirement at age62 in2026; FRA67, claiming ages62–70. AIME must already be established under SSA indexed earnings/35-year rules as whole dollars, not current salary. Calculates initial2026 PIA and claim-age adjustment. Excludes subsequent COLAs, added earnings, earnings test, family benefits, Medicare, tax and special-minimum rules. Future claim output is a no-COLA schedule scenario, not a promise of actual future payment. Delayed credits are compared fully applied; actual first-year delayed-credit timing before70 is excluded. AIME must be at leastUSD2; sub-dollar benefit exceptions and January1 birth eligibility-year exceptions excluded.

Worker born in 1964 first eligible for retirement at age62 in2026; FRA67, claiming ages62–70. AIME must already be established under SSA indexed earnings/35-year rules as whole dollars, not current salary. Calculates initial2026 PIA and claim-age adjustment. Excludes subsequent COLAs, added earnings, earnings test, family benefits, Medicare, tax and special-minimum rules. Future claim output is a no-COLA schedule scenario, not a promise of actual future payment. Delayed credits are compared fully applied; actual first-year delayed-credit timing before70 is excluded. AIME must be at leastUSD2; sub-dollar benefit exceptions and January1 birth eligibility-year exceptions excluded.

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Result

Enter your values and run the tool to see your result.

How to use this tool

Check the units, enter your values, and run the tool. Results follow the assumptions and method below.

Calculation method

2026 initial PIA USDfloor((90*min(aime,1286)+32*min(max(aime-1286,0),6463)+15*max(aime-7749,0))/10)/10
Early or delayed claim factorclaimMonths<804 ? 1-min(804-claimMonths,36)/180-max(804-claimMonths-36,0)/240 : 1+(claimMonths-804)/150
Scheduled monthly claim amount before COLAs USDfloor((floor((90*min(aime,1286)+32*min(max(aime-1286,0),6463)+15*max(aime-7749,0))/10)/10)*(claimMonths<804 ? 1-min(804-claimMonths,36)/180-max(804-claimMonths-36,0)/240 : 1+(claimMonths-804)/150))

References