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Social Security Online
Benefit Calculators
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Estimate Your Benefit

Retirement Estimator

Provides accurate estimates of your retirement benefit at different ages by accessing your earnings record through a secure interface. You can not use this calculator if you are receiving a benefit based on your own earnings record or if you are receiving Medicare benefits. In addition, you must be permanently insured to use the Retirement Estimator.

Other calculators, listed below, are less restrictive but require you to enter your earnings.

Quick Calculator
(Aquí en Español)

Provides rough estimates of your retirement benefit based on your current earnings. Also provides estimated disability and survivor benefits if you die or become disabled today.

Online Calculator
(Aquí en Español)

To use the Online Calculator, you must have a copy of your earnings record because you will need to enter your covered earnings for each year. This calculator is more accurate than the Quick Calculator. (The Online Calculator requires that your browser be JavaScript-enabled.)

A special-purpose version of the Online Calculator provides benefit estimates under the Windfall Elimination Provision (WEP) for those who receive a pension from work not covered by Social Security. None of the calculators listed above can provide such benefit estimates.

Detailed Calculator

To use this program, you need to install it on your computer. This program is the most powerful of all the calculators and is capable of computing almost any type of Social Security benefit.

Calculator Question?

Contact us with your question. Be sure to include the name of the Calculator pertaining to your question.

Related information

When to start benefits

Advice on when to begin receiving retirement benefits

Request a Social Security Statement

To make the best use of our calculators, you should have a record of your earnings.

Effect of early retirement on benefits

If you are under your normal retirement age when you choose to begin receiving benefits, your benefit will be reduced.

Effect of earnings on benefits

If you are under your normal retirement age and you continue to work while receiving benefits, you may be subject to the retirement earnings test. We can show the effect of your earnings on your benefits.

How we compute retirement benefits
  ♦ Illustrative examples

Basis for retirement benefit computations

Indexing factors

Approximate factors used to adjust earnings for a selected eligibility year Portal to U.S. government agencies Privacy Policy  | Website Policies & Other Important Information  | Site Map
Last reviewed or modified July 28, 2008
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