Social Security Benefits Estimator
See how your claiming age affects your monthly benefit. Your inputs stay in your browser.
Your full retirement age: 67 years (Source: SSA)
| Claiming Age | Monthly Benefit | Annual Benefit | % of FRA Benefit |
|---|---|---|---|
| 62 | $1,400 | $16,800 | 70.0% |
| 63 | $1,500 | $18,000 | 75.0% |
| 64 | $1,600 | $19,200 | 80.0% |
| 65 | $1,733 | $20,796 | 86.7% |
| 66 | $1,867 | $22,404 | 93.3% |
| 67 (FRA) | $2,000 | $24,000 | 100.0% |
| 68 | $2,160 | $25,920 | 108.0% |
| 69 | $2,320 | $27,840 | 116.0% |
| 70 | $2,480 | $29,760 | 124.0% |
Benefits increase approximately 8% per year for each year you delay past your full retirement age, up to age 70 (Source: SSA). Claiming before FRA permanently reduces your benefit. The average retired worker benefit is approximately $1,976 per month as of 2025 (Source: SSA).
Monthly Benefit by Claiming Age
Important Disclaimer
This Social Security calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs you provide and may not reflect your actual financial situation. Your inputs stay in your browser and are not stored or transmitted. RetireGrader is not a financial advisor or fiduciary. Consult a qualified financial advisor for personalized retirement planning.