The Online Calculator below allows you to estimate your Social Security benefit. To use the Online Calculator, you need to enter all your earnings from your online Social Security Statement.
If you have a personal my Social Security account, you can get an estimate of your future retirement benefits and see the effects of different retirement age scenarios. If you don’t have a personal my Social Security account, create one at www.ssa.gov/myaccount.
If you receive a pension that is based on work not covered by Social Security, (e.g. federal, state, or local government employees) it may reduce the amount of benefits we can pay you. Please use the Windfall Elimination Provision (WEP) version of the Online Calculator to estimate your benefits. If you are eligible for benefits as a spouse, widow, or widower our Government Pension Offset (GPO) Calculator, can tell you how your benefits may be affected. Also, if you begin receiving benefits before your full retirement age (FRA), your benefits will be reduced. Find your FRA with our Retirement Age Calculator.
- The Online Calculator is updated periodically* with new benefit increases and other benefit amounts. Therefore, it is likely that your benefit estimates in the future will differ from those calculated today.
- Some browsers may not allow you to print the table below.
*The most recent calculator update was in August 2023.
To protect your records from unauthorized users, the Online Calculator is not linked to your record of earnings in our database. Instead, we ask you to insert your earnings in the calculator. Keep in mind that it’s easier and faster to get your estimate by creating a personal my Social Security account, that links your earnings record directly from our database.
Note: If your birthday is on January 1st, we figure your benefit as if your birthday was in the previous year.
If you qualify for benefits as a Survivor, your full retirement age for survivors benefits may be different.
If you have an estimate of your monthly Social Security retirement benefit (in future, inflated dollars), you can use the Employee Benefit Research Institute (EBRI), Ballpark E$timate Online, to get a basic idea of how much you need to save before you retire.