Social Security Calculator
Social Security Benefits Estimate
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Estimated Monthly Benefit at Retirement
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Estimated Annual Benefit
Benefit Breakdown
Primary Insurance Amount
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Early/Late Retirement Adjustment
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Estimated Spousal Benefit
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Estimated Survivor Benefit
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Monthly Benefit After Tax
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Lifetime Benefits Estimate
Years of Benefits
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Total Lifetime Benefits
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Present Value at Retirement
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Replacement Rate
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Retirement Age Impact
Benefit at Age 62
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Benefit at Age 70
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Social Security Details & Comparison
Benefit Comparison by Age
| Retirement Age | Monthly Benefit | Annual Benefit | % of FRA |
|---|
Note: Benefits are reduced if taken before Full Retirement Age and increased if delayed past FRA.
Social Security Information
| Category | 2024 Amount | Description |
|---|---|---|
| Maximum Benefit | $4,873 | Maximum at full retirement age |
| Average Benefit | $1,907 | Average monthly benefit |
| Taxable Maximum | $168,600 | Maximum earnings subject to tax |
| COLA 2024 | 3.2% | Cost of Living Adjustment |
| Earnings Limit | $22,320 | Before full retirement age |
Important: These are 2024 figures. Check SSA.gov for current year amounts.
Social Security Planning Tips
- Delaying benefits past FRA increases monthly amount by 8% per year
- Benefits are based on highest 35 years of earnings
- Spousal benefits can be up to 50% of partner's benefit
- Consider taxes on Social Security benefits
- Create an account at SSA.gov to check your earnings record
- Consider working longer to increase benefit amount
- Survivor benefits can be claimed by widows/widowers
- Consult with a financial advisor for personalized advice