Social Security benefits calculator

Social Security benefits calculatorの使い方

何を計算するか、いつ使うか

Estimates a US Social Security 退職・老後 benefit 開始 your 平均 earningsとthe age at which you start claiming,とshows how claiming earlyまたはlate changes it.

使い方の手順

1. Enter your 平均 毎年 earningsとthe 年数 you worked.
2. Enter your birth 年, which sets your full 退職・老後 年齢.
3. Enter the 年齢 you plan〜claim, from 62〜70.

各入力項目の意味

• 平均 毎年 earnings – Inflation-adjusted earnings averaged over working年.
• 年数 worked – Up〜35 years count. Fewer years add zero-earning年.
• Claiming 年齢 – 62〜70.

結果の読み方

• 毎月 benefit – The estimated payment 適用 your claiming 年齢.
• Full 退職・老後 年齢 benefit (PIA) – The benefit if you claim 適用 your full 退職・老後 年齢.
• Claiming 年齢 table – The 毎月と毎年 benefit 適用 different ages.

計算式

AIME = 毎年 earnings × min(年数、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個で36の35) ÷ 35 ÷ 12. PIA = 90%か月、1% a month, up〜age 70. 1% beyond. Delaying past full retirement age adds 2/3 5/12

計算例

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

前提と限界

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

よくある間違い

• lower earnings has いいえ effect. Missing 年数 数量 as zero. Assuming 1個あたり 年
• Claiming early without considering the permanent reduction.

よくある質問

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

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