🇺🇸 Social Security Calculator
Estimate your Social Security retirement benefit based on average career earnings and planned retirement age using a simplified PIA formula.
How Social Security Benefits Are Calculated
Social Security benefits are based on your 35 highest-earning years. The SSA applies a progressive formula with bend points to calculate your Primary Insurance Amount (PIA). Claiming before age 67 reduces your benefit, while delaying up to age 70 increases it by 8% per year. This calculator provides a simplified estimate.
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