Estimate Your Social Security Benefits

Enter the monthly benefit estimate shown on your Social Security statement for your Full Retirement Age (FRA). This tool uses that amount as the baseline to estimate monthly and annual benefits at different claiming ages.

This estimator is designed to provide an educational estimate based on standard Social Security actuarial adjustments (reductions for claiming early and credits for delaying). Your actual benefit may differ based on your earnings history, eligibility, and SSA calculations.

This tool compares estimated benefits from age 62 through 70, showing both estimated monthly and annual amounts.

Social Security’s Full Retirement Age is determined by birth year. The estimator uses your birth year selection to determine the FRA assumption used for the calculations.

No. This estimator focuses on a single-person benefit estimate using the FRA amount you enter. It does not calculate spousal or survivor benefits, Medicare premiums, taxation of benefits, cost-of-living adjustments (COLA), or other factors that may affect take-home income.

You can create or sign in to your Social Security account to view your benefit estimates. If you’re unsure what number to use, we can help you locate the correct figure during a planning appointment.

Yes. Social Security timing is a key part of retirement planning. If you’d like a personalized review, contact American Wealth Advisers to discuss how claiming age may fit into your overall retirement strategy.