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Benefit Calculators

The calculator shown below allows you to estimate your Social Security benefit. However, for the most accurate estimates, use the Detailed Calculator or the Retirement Estimator.

You need to enter all your past earnings, which are shown on your Social Security Statement. We automatically send Social Security Statements to workers or former workers age 25 or older about 3 months before their birthdays. If you have not received one, you can submit a request online and receive your Statement by mail in 2 to 4 weeks. However, if you request a Statement this year, we will not automatically send you another Statement until next year.

Please Note:

  • The Online Calculator is updated periodically with new benefit increases and other benefit amounts. Therefore, it is likely that your benefit estimates in the future will differ from those calculated today.
  • The Online Calculator works on PCs and Macs with Javascript enabled.
  • Some browsers may not allow you to print the table below.
  • The Online Calculator temporarily stores information on your local computer while your browser is open. To protect your personal information, you should close your browser after you have finished your estimate.

(For reasons of privacy and to protect your records from unauthorized users, this calculator is not linked to your record of earnings in our database. Instead, we ask you to insert your earnings in the calculator. As we develop more secure authentication procedures in the future, we will insert your numbers directly from our earnings database.)



Enter your date of birth as month, day, and year, separated by slashes. (Example: If you were born on May 7, 1950, enter 5/7/1950.)


Note: This calculator will accept a stop-work age up to 85. If the age you enter is less than 62, your benefit is estimated at age 62. If that age is at least 62, that is the age at which we estimate your benefit. (If you use 62 and you are more than 62 years old, we use your current age.)

years and months.


Your estimated benefit is shown in today's dollars, unless you choose to have it shown in future (inflated) dollars. If you choose future (inflated) dollars, the calculator bases the results on our estimates of how inflation could affect your benefit amount. (Use caution when using inflated dollar estimates to determine other retirement income sources you may need.)


Annual earnings

Notice that years in the chart are shown horizontally rather than vertically. You can tab from year to year and the zeroes will be overlaid.

Enter your annual earnings from 1951 to 2007. Your Social Security Statement lists these earnings year by year under the heading "Your Taxed Social Security Earnings."

Note: We normally don't use earnings before 1951 to calculate benefits. Also, if you were born after 1951, any earnings you enter before your year of birth will be ignored.



The calculator will use this same amount of earnings for each future year up to the year you expect to stop working.


Press this button when you have entered all your information. Your estimated monthly benefits will be presented below.


Benefit eligibility

You must have sufficient earnings over a number of years to be insured for benefits. The requirements vary for retirement, disability, and survivor benefits. With the information you provided, these are the benefits you are eligible for:


Benefit estimates

Here are your benefit estimates.

For the disability and survivors estimates that follow, we assumed you became disabled or died in 2008. We did not use earnings after 2008 in calculating these estimates.

Your monthly survivor benefits:


Retirement planning

Now, make note of your monthly benefit estimate (in future, inflated dollars) and continue your planning with our:

Go to Retirement Income Estimator



Please let us know if you have any questions or comments about the Online Calculator.


If you send a question to us, please do not include your Social Security Number.

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