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How it works
Formula & explanation
Social Security Calculator uses the following calculation:
PIA uses bend-point formula: 90% + 32% + 15% of AIME across bend points
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
FAQ
Frequently asked questions
What age is 'full retirement age'?
For most people born in 1960 or later, full retirement age is 67; claiming earlier or later adjusts your benefit down or up.
How much more do I get by waiting until 70?
Delaying past full retirement age increases your benefit by roughly 8% per year up to age 70.
Is this an official benefit estimate?
No — this is a simplified illustration; for an official estimate, check your Social Security Statement at ssa.gov.
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