Social Security benefits calculator

Cara menggunakan Social Security benefits calculator

Apa yang dihitung dan kapan digunakan

Estimates a US Social Security Pensiun benefit Dari your Rata-rata earnings dan the age at which you start claiming, dan shows how claiming early atau late changes it.

Cara menggunakan, langkah demi langkah

1. Enter your Rata-rata Tahunan earnings dan the Tahun you worked.
2. Enter your birth Tahun, which sets your full Pensiun Usia.
3. Enter the Usia you plan sampai claim, from 62 sampai 70.

Arti setiap input

• Rata-rata Tahunan earnings – Inflation-adjusted earnings averaged over working tahun.
• Tahun worked – Up sampai 35 years count. Fewer years add zero-earning tahun.
• Claiming Usia – 62 sampai 70.

Cara membaca hasil

• Bulanan benefit – The estimated payment Pada your claiming Usia.
• Full Pensiun Usia benefit (PIA) – The benefit if you claim Pada your full Pensiun Usia.
• Claiming Usia table – The Bulanan dan Tahunan benefit Pada different ages.

Rumus

AIME = Tahunan earnings × min(Tahun, 35) ÷ 35 ÷ 12. PIA = 90% dari AIME up to 1,286 + 32% from 1,286 to 7,749 + 15% above 7,749 (2026 bend points). Claiming early reduces it by 5/9 of 1% a month seharga 36 bulan, dan 5/12 1% beyond. Delaying past full retirement age adds 2/3 1% a month, up sampai age 70.

Contoh perhitungan

Average earnings 70,000 over 35 years give an AIME 5,833 dan a PIA 2,612 a month. Claiming at 62 membayar about 1,829 per bulan dan waiting until 70 membayar about 3,239.

Asumsi dan batasan

• Earnings are already indexed. The real calculation indexes your 35 highest tahun.
• Tidak cost-of-living adjustments, taxes atau Medicare premiums.
• Your actual benefit may differ; use your my Social Security account.

Kesalahan umum

• Assuming Per buah Tahun lower earnings has Tidak effect. Missing Tahun Jumlah as zero.
• Claiming early without considering the permanent reduction.

Pertanyaan yang sering diajukan

Dated rules: US federal figures seharga tax year 2026 (IRS Rev. Proc. 2025-32 dan IRS notices). These calculators are estimates seharga planning, not tax advice.

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