Social Security Benefits Calculator
Estimate your Social Security benefits based on your work history, retirement age, and claiming strategy.
Current age: 55
Your full retirement age is 0
Social Security benefits are based on your highest 35 years of earnings
Configure additional options like inflation adjustments, COLA, and government pension offset
Full Retirement Age
Your full retirement age (FRA) is when you can claim 100% of your Social Security benefit. It ranges from 65 to 67 depending on your birth year.
Early vs. Delayed Claiming
You can claim as early as age 62 (with a reduction) or delay until age 70 (with an increase). Each year you delay past your FRA increases your benefit by 8%.
Spousal and Survivor Benefits
Spouses can receive up to 50% of the worker's benefit. Surviving spouses can receive up to 100% of the deceased worker's benefit.
WEP and GPO
The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) may reduce benefits for those with pensions from work not covered by Social Security.
This calculator provides estimates based on current Social Security rules. Actual benefits may vary. For official estimates, visit ssa.gov.