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Social Security benefit estimate

2026 figures · nothing you type leaves your browser

Your average yearly earnings, in today's dollars Years you'll have worked by 62 Age you claim

67

How it works

Social Security averages your 35 highest-earning years (earnings above the 2026 cap of $184,500 don't count), divides by 420 months, and applies the 2026 formula: 90% of the first $1,286 a month, 32% up to $7,749, and 15% above. Claiming before 67 cuts it — by 5/9% a month for the first 36 months and 5/12% after — and every year you wait past 67 adds 8%, up to 70. Your real record is at ssa.gov/myaccount; Money God reads it when you upload it.