Which calculator you choose depends on what you want to do. If you
want a survivors or disability benefit estimate, do not already have enough Social Security credits to qualify for retirement benefits or you are eligible for a pension based on work not covered by Social Security, choose the "Benefit Calculators" tab or get your Social Security Statement online.
already have a benefit estimate, choose the "Charts & More Calculators" tab to learn how earnings, pensions, life expectancy, and different retirement dates can affect your benefits.
Use any of the calculators below to estimate your potential benefit amounts using different retirement dates and levels of future earnings. The calculators will show your retirement benefits as well as disability and survivor benefit amounts if you should become disabled or die.
This calculator gives you a simple, rough estimate when you input your date of birth and this year's earnings. (You must be age 21 or older for this calculator to work correctly.)Note: The Quick Calculator does not include reduction for WEP.
Input your date of birth and your complete earnings history to get a benefit estimate. You may project your future earnings until your retirement date.
If you are eligible for a pension based on work that was not covered by Social Security, your benefit amount may be reduced by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO).
Use this version of the Online Calculator or download the Detailed Calculator to see the effect of WEP on your estimated benefits. (The Quick Calculator and the basic version of the Online Calculator cannot adjust for WEP.)Note: You can use our GPO Calculator to see the effect of GPO on potential spouse's, widow's or widower's benefits.
This calculator provides the most precise estimates. It must be downloaded and installed on your computer. (Includes reduction for WEP.)Note: There is also a Mac version of the Detailed Calculator.
Things You Should Know:
None of these calculators are linked to your Social Security earnings record. They use the earnings amounts you enter.
If you want to use your Social Security earnings record to calculate your retirement benefits, please use our Retirement Estimator.
All four calculators assume you have enough credits to qualify for benefits. They produce an estimate even if you do not actually have enough credits.
The calculator estimates will differ from those on your online Social Security Statement if you use different assumptions.
Example: If you had earnings last year, your Social Security Statement retirement benefit estimate assumes you will have similar earnings for every future year until you turn 62.
If you tell us you will stop working before the year you turn 62, the calculator estimates will not include earnings for the years after you stop working.
If you need a benefit estimate on someone else's record, such as your spouse or parent, use our toll-free number
Your benefit amount can be affected by a number of different factors. If you already have a benefit estimate, you can use the charts and calculators listed below to find out how different retirement dates and situations affect your Social Security benefits. If you:
are currently working and are eligible for retirement or survivors benefits this year, you can learn how your earnings may affect your benefit payments with our Earnings Limit Calculator.
start benefits early, the amount may be reduced based on how long you will receive benefits before your full retirement age. If you want to find out how much applying for retirement benefits early reduces your monthly benefit as a wage earner or spouse, use our Retirement Age Calculator.
Note: If you qualify, your full retirement age for survivors benefits may be different.
will start receiving benefits after your full retirement age, your benefit may be higher due to delayed retirement credits.
want some idea of how long your benefits may need to last, you can use our Life Expectancy Calculator to get a rough estimate of how long you (or your spouse) may live.
are trying to decide whether to retire early and take a reduced benefit, wait until full retirement age or delay benefits until age 70 we can help you decide if the higher benefit is worth the wait.
know the amount of your full retirement benefit (or your spouse's full retirement benefit), you can
- compute the effect of early or delayed retirement on your benefit amount and
- compute the effect of early retirement on benefits for your spouse.
will receive a pension from a federal, state or local government job in which you did not pay Social Security taxes, it may reduce the amount of your Social Security benefit. Find out what having a government pension will do to your Social Security benefit if your benefit is based on:
Under current law, if you have average earnings, your Social Security retirement benefits will replace about 40 percent of your pre-retirement earnings. The percentage is lower for people in the upper income brackets and higher for people with low incomes.
Your Social Security benefits are the foundation on which you can build a secure retirement. Savings and pensions also are key components of your retirement plan. Most financial advisors say you'll need about 70 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. They recommend that you prepare for the future with a combination of Social Security, private pensions and personal savings.
Make a note of your benefit estimate, and any pension you may qualify for, and continue your planning with the Retirement Income Estimator.