Social Security Benefit Calculator
How much will Social Security pay you? Enter your current salary and the age you plan to claim to estimate your monthly benefit using the official 2026 formula.
How this calculator works
The estimator averages up to 35 years of earnings (here, 35 years at your current salary) to find your average indexed monthly earnings (AIME), then applies the 2026 bend points: 90% of AIME up to $1,286, 32% of the next slice up to $7,749, and 15% above that. The result is your primary insurance amount (PIA) — the benefit at full retirement age. Claiming at 62 reduces it 30%; waiting to 70 adds 24%.
Frequently asked questions
What is the maximum Social Security benefit in 2026?
For someone earning at or above the 2026 wage base ($184,500) for 35 years and claiming at full retirement age, the maximum monthly benefit is roughly $4,400–$4,500. Claiming at 70 pushes it to about $5,500. The exact number depends on how past years were indexed.
Is it better to claim at 62, 67, or 70?
Claiming at 62 gives you money sooner but locks in a 30% reduction for life; waiting to 70 grows your check 24% above the full amount. Break-even between 62 and 70 is typically around age 80 — claiming late wins if you live past that, and it also means a larger survivor benefit for a spouse. Health and other savings decide it for you.
Why is my actual benefit different from this estimate?
Real benefits use up to 35 years of indexed earnings — your lowest-earning years can drop off, raising the average — and add a cost-of-living adjustment every January. Also, if you claim before full retirement age and keep working, the earnings test may temporarily withhold part of your benefit (it is repaid later). Your statement at ssa.gov/myaccount is the precise number.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.