Social Security Estimator

Social Security Estimator is a focused planning tool for educational retirement estimates.

Enter your current age, planned claiming age from 62 to 70, years of covered work, average indexed annual earnings, and expected future earnings growth. Tap Calculate Estimate to see a compact monthly-benefit summary plus annual benefit, full retirement age, estimated AIME, monthly benefit at full retirement age, and income replacement metrics.

Save planning scenarios with every input and your notes. Use Load to restore the complete form snapshot and immediately recalculate its result.

The calculator uses official Social Security Administration (SSA.gov) source pages for the 2026 PIA bend points, the 2026 contribution and benefit base, birth-year-based full retirement age, and early or delayed claiming adjustments. It applies a simplified highest-35-year earnings framework for educational planning.

Official source links:
- SSA PIA formula and bend points: https://www.ssa.gov/oact/cola/piaformula.html
- SSA contribution and benefit base: https://www.ssa.gov/oact/cola/cbb.html
- SSA early retirement age reduction: https://www.ssa.gov/benefits/retirement/planner/agereduction.html
- SSA delayed retirement credits: https://www.ssa.gov/benefits/retirement/planner/delayret.html

This app is independent and is not affiliated with, endorsed by, or operated by the Social Security Administration or any U.S. government agency. Results are educational estimates based on simplified earnings assumptions, not official SSA benefit statements. The app does not model spouse, survivor, disability, COLA, or retirement earnings-test effects.