Primary Insurance Amount (FRA)
$2,600.92
Social Security Estimator
Estimate your monthly Social Security benefit from average indexed earnings.
Estimated Monthly Benefit
$2,600.92
Claiming Age
67
Annual Benefit
$31,211.04
Simplified estimate using 2024 bend points; actual benefits depend on your full earnings history.
How to use the Social Security Estimator
The Social Security Estimator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.
The inputs it asks for:
- Average Indexed Monthly Earnings (AIME) — a dollar amount.
- Claiming Age — choose one — 62 (Early), 67 (Full Retirement Age), 70 (Delayed).
The formula
Social Security replaces a progressively smaller share of higher earnings. It runs your average indexed monthly earnings through the benefit "bend points" to get your full-retirement-age benefit (PIA), then adjusts for when you claim:
PIA = 90%·(first $1,174) + 32%·(next tier to $7,078) + 15%·(rest)- AIME
- your average indexed monthly earnings
- bend points
- the 2024 thresholds ($1,174 and $7,078) where the replacement rate steps down
- claim adjustment
- 62 ≈ 70% of PIA, 67 (FRA) = 100%, 70 ≈ 124%
A simplified estimate using one year's bend points and three claiming ages; your real benefit depends on your full 35-year indexed earnings history and your exact full-retirement age. Treat it as a ballpark, not your official figure.
Worked example
Using the example values — Average Indexed Monthly Earnings (AIME) $6,000.00, Claiming Age 67 (Full Retirement Age) — the Social Security Estimator returns a Estimated Monthly Benefit of $2,600.92. It also reports Primary Insurance Amount (FRA) ($2,600.92), Claiming Age (67), Annual Benefit ($31,211.04).
Prefer your own numbers? Change any field above and this recomputes instantly.
Key terms
- AIME
- Average indexed monthly earnings — your career earnings, inflation-adjusted and averaged.
- PIA (Primary Insurance Amount)
- The monthly benefit at full retirement age.
- Bend points
- The income thresholds where the replacement rate drops (90% → 32% → 15%).
- Full retirement age (FRA)
- The age (66–67 for most) at which you receive 100% of your PIA.
Frequently asked questions
Why do the percentages fall as earnings rise?
By design — Social Security replaces more of a low earner's income than a high earner's. The 90/32/15% bend points make it progressive.
How much does claiming age matter?
A lot. Claiming at 62 permanently cuts the benefit to about 70% of PIA; waiting to 70 raises it to about 124%. The trade-off is fewer years of a larger check.
Is this my official benefit?
No — it's a simplified estimate. Your real figure comes from your Social Security statement, based on your complete earnings record.