Kalkulator tunjangan Social Security
Kira-kira tunjangan pensiun Social Security AS panjenengan saka penghasilan seumur urip lan umur nalika ngeklaim.
Babagan Kalkulator tunjangan Social Security
Kira-kira tunjangan pensiun Social Security AS panjenengan saka penghasilan seumur urip lan umur nalika ngeklaim.
Bagean saka seksi “Pensiun” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator tunjangan Social Security
Apa sing dietung lan kapan nganggo
Ngira-ira tunjangan pensiun Social Security ing AS saka rata-rata pangasilan lan umur wiwit ngeklaim, lan nuduhake carane ngeklaim luwih awal utawa luwih telat ngowahi.
Carane nganggo, langkah demi langkah
- Lebokna rata-rata pangasilan saben taun lan taun sing wis panjenengan nyambut gawe.
- Lebokna taun lair panjenengan, sing nemtokake umur pensiun penuh.
- Lebokna umur sing direncanakake kanggo ngeklaim, saka 62 nganti 70.
Tegese saben input
- Rata-rata Saben taun earnings – Inflation-adjusted earnings averaged over working taun.
- Taun worked – Up to 35 years count. Fewer years add zero-earning years.
- Claiming age – 62 nganti 70.
Carane maca asile
- Saben sasi benefit – The estimated payment at your claiming age.
- Kerutan Pensiun age benefit (PIA) – The benefit if you claim at your full retirement age.
- Claiming age Tabel – The Saben sasi lan Saben taun benefit at different ages.
Rumus
AIME = yearly earnings × min(years, 35) ÷ 35 ÷ 12. PIA = 90% of 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 for 36 months and 5/12 of 1% beyond. Delaying past full retirement age adds 2/3 of 1% a month, up to age 70.
Conto petungan
Average earnings of 70,000 over 35 years give an AIME of 5,833 and a PIA of 2,612 a month. Claiming at 62 pays about 1,829 a month and waiting until 70 pays about 3,239.
Asumsi lan watesan
- Earnings are already indexed. The real calculation indexes your 35 highest years.
- No cost-of-living adjustments, taxes utawa Medicare premiums.
- Your actual benefit may differ; use your my Social Security account.
Kesalahan umum
- Assuming each year of lower earnings has no effect. Missing years count as zero.
- Claiming early without considering the permanent reduction.
Pitakonan sing kerep ditakokake
Apa iku umur pensiun penuh?
67 kanggo wong sing lair taun 1960 utawa sabanjure, lan 66 nganti 66 taun 10 sasi kanggo sing lair antarane 1954 lan 1959.
Apa aku kudu nundha?
Gumantung kesehatan, pangasilan liyane lan apa panjenengan wis nikah. Nundha nambah pembayaran saumur urip nanging panjenengan nampa sajrone taun sing luwih sithik.
Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Piranti sing gegandhengan
Rincian
- Rata-rata indexed Saben sasi earnings
- £5,833
- Benefit at kerutan Pensiun age
- £2,612age 67
- Claiming adjustment
- 0%
By claiming age
| Age | Saben sasi | Saben taun |
|---|---|---|
| 62 | £1,829 | £21,944 |
| 64 | £2,090 | £25,079 |
| 66 | £2,438 | £29,259 |
| 67 | £2,612 | £31,349 |
| 68 | £2,821 | £33,857 |
| 70 | £3,239 | £38,873 |