The best way to plan for your retirement is to create a personal my Social Security account. With my Social Security, you can verify your earnings, get your Social Security Statement, and much more – all from the comfort of your home or office.
We have a variety of calculators to help you plan or assist you with your needs.
Online Benefits Calculator
These tools are accurate but require access to your official earnings record in our database. The simplest way to do that is to create or sign in to your personal my Social Security account. The other way is to answer a series of questions to prove your identity.
Additional Online Tools
Retirement Age Calculator
Find your FRA and learn how your monthly benefits may be reduced if you retire before your FRA.
Windfall Elimination Provision (WEP) Calculator
Find out if your benefits will be affected when you are eligible for a pension based on work that was not covered by us.
Government Pension Offset (GPO) Calculator
Estimate your benefits as a spouse and find out how they are affected when you receive a pension from a government job in which you did not pay Social Security taxes. Your benefit may be offset by the GPO.
Detailed Calculator
Get the most precise estimate of your retirement, disability, and survivors benefits. The estimate includes WEP reduction. Must be downloaded and installed on your computer.
Early or Late Retirement Calculator
Compute the effect on your benefit amount if you file for early or delayed retirement benefits.
Earnings Test Calculator
Learn how your earnings may affect your benefit payments if you are currently working and are eligible for retirement or survivors benefits this year.
Benefits for Spouses Calculator
Compute the effect on your spouse's benefits if you file for early retirement.
Life Expectancy Calculator
Estimate of how long you (or your spouse) may live.
Online Calculator
Estimate your retirement, disability, and survivors benefits.
Quick Calculator
Estimate of your benefits in today's dollars or future dollars when you input your date of birth and this year's earnings. The estimate does not include WEP reduction.