TopToolAIUSA Social Security Retirement Calculator
Get a rough estimate of your US Social Security retirement benefit based on your average earnings and the age you plan to start claiming. Someone who averaged $5,000 a month ($60,000 a year) over a full 35-year career and starts claiming at full retirement age (67) would see about $2,350 a month under the 2026 formula, while claiming at 62 permanently reduces that figure by up to 30%, and waiting until 70 raises it by about 24%.
How to use USA Social Security Retirement Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
How to use USA Social Security Retirement Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
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1
Current age Number
Your age today.
Example: 30
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2
Average monthly income ($) Number
What you usually earn in a month over your working life, before tax.
Example: 5000
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3
Press “Estimate”
Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.
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4
Read your result
You see a rough estimate of your monthly Social Security benefit. Change any box and try again to compare different numbers.
USA Social Security Retirement Calculator FAQs
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