Social Security Calculator

Estimate US Social Security retirement benefits (PIA based on AIME). Uses official PIA formula and bend points. For official SSA results use your SSA statement.

Real-time • Client-side • Printable

Personal & Claiming Info

Full Retirement Age (FRA) is computed automatically

Full name

Date of birth

FRA: —

Current year (for projection)

Expected annual COLA (%)

Used to project benefits forward after first year.

Claiming age (years)

Try 62, FRA, 70 to see differences.

Earnings — Top 35 years

Year	Annual Earnings (USD)	Indexed?

Tip: You can provide up to 35 years. If you have fewer, zeros will be used for missing years. For official SSA accuracy use indexed earnings (enter those values or use SSA indexing before entering).

Advanced / Extras

Assume input earnings are already indexed (recommended if you pre-indexed)

Show step-by-step calculation breakdown

Quick Results

PIA uses official bend points & percentages.

Estimated AIME

$0

Average Indexed Monthly Earnings (AIME) — based on your top 35 years.

PIA (Full Retirement Age)

$0

Primary Insurance Amount

Monthly benefit at claiming age

$0

Adjustment: —

Annual benefit (first year)

$0

Projected with COLA after first year

Spousal & Survivor Estimates

Spouse FRA (if different)

Married? (yes/no)

Export & Print