Social Security benefits calculator
Estimate your monthly retirement benefit and how much more you get by waiting.
See the full schedule
How this calculator works
Social Security averages your highest 35 years of indexed earnings into a monthly figure (AIME). For 2026 the benefit at full retirement age is 90% of the first $1,286, 32% of the amount up to $7,749, and 15% above that. Claiming early cuts the benefit; waiting past full retirement age adds 8% a year until 70.
Sources: SSA: 2026 PIA formula bend points · SSA: Benefit reduction for early retirement · SSA: Delayed retirement credits · SSA: 2026 contribution and benefit base
A calculator gives you an estimate. A licensed CPA gives you the right answer.
Use these calculators to plan, then bring your numbers to Syed Services. A licensed CPA checks your taxes, your business structure and your 2026 and 2027 plan in a free consultation, at the best price in the market.
Sources: SSA: 2026 PIA formula bend points · SSA: Benefit reduction for early retirement · SSA: Delayed retirement credits · SSA: 2026 contribution and benefit base
Figures and rules on this page come from the official and published sources linked above, as of November 2026. People and numbers in the examples are made up to explain the idea. This page is general information, not tax or legal advice for your situation, and laws change; check the linked source or ask a licensed CPA before you act.
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