Social Security benefits calculator
Estimate your US Social Security 退休 benefit 从 lifetime earnings 和 the 年龄 you claim.
关于Social Security benefits calculator
Estimate your US Social Security 退休 benefit 从 lifetime earnings 和 the 年龄 you claim.
属于 SmartCalcy“退休”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Social Security benefits calculator
它计算什么，何时使用
Estimates a US Social Security 退休 benefit 从 your 平均 earnings 和 the age at which you start claiming, 和 shows how claiming early 或 late changes it.
使用步骤
- Enter your 平均 每年 earnings 和 the 年数 you worked.
- Enter your birth 年份, which sets your full 退休 年龄.
- Enter the 年龄 you plan 至 claim, from 62 至 70.
各输入项的含义
- 平均 每年 earnings – Inflation-adjusted earnings averaged over working 年.
- 年数 worked – Up 至 35 years count. Fewer years add zero-earning 年.
- Claiming 年龄 – 62 至 70.
如何阅读结果
- 每月 benefit – The estimated payment 以 your claiming 年龄.
- Full 退休 年龄 benefit (PIA) – The benefit if you claim 以 your full 退休 年龄.
- Claiming 年龄 table – The 每月 和 每年 benefit 以 different ages.
公式
AIME = 每年 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件36 的 35) ÷ 35 ÷ 12. PIA = 90% 个月、5/12 1% beyond. Delaying past full retirement age adds 2/3 1% a month, up 至 age 70.
计算示例
Average earnings 70,000 over 35 years give an AIME 5,833 和 a PIA 2,612 a month. Claiming at 62 付给 每月 about 1,829 和 waiting until 70 付给 about 3,239.
假设与局限
- Earnings are already indexed. The real calculation indexes your 35 highest 年.
- 否 cost-of-living adjustments, taxes 或 Medicare premiums.
- Your actual benefit may differ; use your my Social Security account.
常见错误
- Assuming 每件 年份 lower earnings has 否 effect. Missing 年数 数量 as zero.
- Claiming early without considering the permanent reduction.
常见问题
What 是 full 退休 年龄?
67件1960 的 people born 或 later、和 66 至 66、10 个月件those born between 1954 和 1959.
Should I delay?
第 It depends on heal 次、other income、whether you are married. Delay raises the payment件life but you receive it件fewer 年.
Dated rules: US federal figures件tax year 2026 (IRS Rev. Proc. 2025-32 和 IRS notices). These calculators are estimates件planning, not tax advice.
相关工具
详情
- 平均 indexed 每月 earnings
- £5,833
- Benefit 以 full 退休 年龄
- £2,612年龄 67
- Claiming adjustment
- 0%
By claiming 年龄
| 年龄 | 每月 | 每 年份 |
|---|---|---|
| 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 |