Social Security Benefits Calculator

Determine your optimal claiming age based on 2025 SSA rules

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Your Info
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Calculate
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Results

Enter Your Information

Your date of birth is used to determine your full retirement age.

Your Primary Insurance Amount (PIA) is the benefit you would receive if you begin benefits at your full retirement age. You can find this on your Social Security statement.

100 years

Adjust your expected life span to see how it affects your lifetime benefits.

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About This Calculator

The Social Security Benefits Calculator is a free tool designed to help you understand your Social Security retirement benefits and make informed decisions about when to claim them. Our calculator provides personalized estimates based on your birth date and Primary Insurance Amount (PIA).

What This Calculator Does

Our calculator helps you:

  • Estimate your monthly and annual benefits at different claiming ages
  • Visualize your lifetime income based on different claiming strategies
  • Understand how working while receiving benefits affects your payments
  • Learn about disability benefits and work incentives

All calculations are based on the latest 2025 Social Security Administration rules and guidelines.

How We Use Your Information

We respect your privacy. All calculations are performed in your browser, and we do not store or transmit any of your personal information. The data you enter is used solely to provide you with benefit estimates and is not saved after you leave the site.

Disclaimer

This calculator provides estimates based on current Social Security rules and the information you provide. Actual benefits may vary based on your specific circumstances and any future changes to Social Security policies. This tool is for educational purposes only and should not be considered financial advice.

For official benefit calculations and personalized advice, please contact the Social Security Administration or consult with a qualified financial advisor.

Support Our Work

This calculator is provided as a free resource to help people make informed decisions about their Social Security benefits. If you find it valuable, please consider supporting our work with a donation.

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This calculator provides estimates based on 2025 Social Security rules. Actual benefits may vary.
© 2025 Social Security Benefits Calculator

Helping Americans navigate Social Security and Medicare nationwide