Social Security Calculator
Updated on 22 Oct 2026 · Checked by Aotob
Claiming at 67 on $70,000 a year, you’d get about $2,613 a month in today’s dollars.
At your full retirement age of 67 it would be $2,613.
Monthly benefit
$2,613
Each year you wait past full retirement age adds 8%, up to 70. Claiming at 62 cuts the benefit by up to 30% for life, though you collect it for longer. Benefits rise with inflation each year.
Show the working
AIME ≈ 70,000 ÷ 12 × 35/35 = 5,833
PIA = 90% × 1,286 + 32% × 4,547 + 15% × 0 = 2,613
× 1 = 2,613
By claiming age
| Claim at | A month | A year |
|---|---|---|
| 62 | 1,829 | 21,945 |
| 63 | 1,959 | 23,513 |
| 64 | 2,090 | 25,080 |
| 65 | 2,264 | 27,170 |
| 66 | 2,438 | 29,261 |
| 67 | 2,613 | 31,351 |
| 68 | 2,822 | 33,859 |
| 69 | 3,031 | 36,367 |
| 70 | 3,240 | 38,875 |
Questions people ask
How is Social Security worked out?
Your highest 35 years of earnings, indexed for wage growth, are averaged into AIME. Your benefit at full retirement age is 90% of the first $1,286, 32% up to $7,749 and 15% above (2026 bend points).
When should I claim?
From 62 (up to 30% less) to 70 (24% more than at 67). Waiting usually pays if you expect to live past about 80, or if your spouse will rely on your benefit.
Is this my real figure?
It’s an estimate from a single average salary. Your my Social Security account at ssa.gov shows your actual record and estimate.
Updated 22 Oct 2026Source: SSA: benefit formula bend points for 2026Checked by AotobEstimate in today’s dollars; single person, no spousal or survivor benefits.Report an issue