Estimate your monthly retirement benefit by claiming age.
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Professional Financial Tools
8/25/2026
Used as your career-average earnings in today's dollars. Earnings above $184,500 (the 2026 taxable maximum) don't count
SSA averages your highest 35 years. Fewer than 35 means zero-years pull the average down
62 = earliest (reduced ~30%); 67 = full retirement age; 70 = maximum (+24%)
Your full benefit (Primary Insurance Amount)
2026 formula: 90% of first $1,286 of AIME + 32% to $7,749 + 15% above (SSA.gov)
Average indexed monthly earnings (simplified: flat career average)
Live past 79 and claiming at 67 pays more in total lifetime benefits than claiming at 62.