The best way to start planning for your future is by creating a my Social Security account online. With my Social Security, you can verify your earnings, get your Social Security Statement, and much more – all from the comfort of your home or office.
We have a variety of calculators to help you plan for the future or to assist you with your needs now.
Online Benefits Calculator
These tools can be accurate but require access to your official earnings record in our database. The simplest way to do that is by creating or logging in to your my Social Security account. The other way is to answer a series of questions to prove your identity.
my Social Security Retirement Calculator
Compare retirement benefit estimates based on your selected date or age to begin receiving benefits with retirement estimates for ages 62, Full Retirement Age (FRA), and 70. You can also input expected future income for inclusion in the estimate.
Estimate monthly benefits based on your Social Security earnings record.
Additional Online Tools
Retirement Age Calculator
Find your full retirement age and learn how your monthly benefits may be reduced if you retire before your full retirement age.
Windfall Elimination Provision (WEP) Calculator
Estimate if you are eligible for a pension based on work that was not covered by Social Security.
Estimate of spouse benefits for yourself if you receive a pension from a government job in which you did not pay Social Security taxes. Your benefit may be offset by the Government Pension Offset (GPO).
Get the most precise estimate of your retirement, disability, and survivors benefits. The estimate includes WEP reduction. Must be downloaded and installed on your computer.
Early or Late Retirement Calculator
Compute the effect on your benefit amount if you file for early or delayed retirement benefits.
Earnings Test Calculator
Learn how your earnings may affect your benefit payments if you are currently working and are eligible for retirement or survivors benefits this year.
Benefits for Spouses Calculator
Compute the effect on your wife's or husband's benefits if you file for early retirement.
Life Expectancy Calculator
Estimate of how long you (or your spouse) may live.
Estimate your retirement, disability, and survivors benefits.
Estimate of your benefits in today's dollars or future dollars when you input your date of birth and this year's earnings. The estimate does not include WEP reduction.