Online Benefits Calculator

The Online Calculator below allows you to estimate your Social Security benefit. To use the Online Calculator, you need to enter all your earnings from your online Social Security Statement.

If you have a personal my Social Security account, you can get an estimate of your future retirement benefits and see the effects of different retirement age scenarios. If you don’t have a personal my Social Security account, create one at www.ssa.gov/myaccount.

If you receive a pension that is based on work not covered by Social Security, (e.g. federal, state, or local government employees) it may reduce the amount of benefits we can pay you. Please use the Windfall Elimination Provision (WEP) version of the Online Calculator to estimate your benefits. If you are eligible for benefits as a spouse, widow, or widower our Government Pension Offset (GPO) Calculator, can tell you how your benefits may be affected. Also, if you begin receiving benefits before your full retirement age (FRA), your benefits will be reduced. Find your FRA with our Retirement Age Calculator.

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 most recent calculator update was in February 2022.

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.

To protect your records from unauthorized users, the Online Calculator is not linked to your record of earnings in our database. Instead, we ask you to insert your earnings in the calculator. Keep in mind that it’s easier and faster to get your estimate by creating a personal my Social Security account, that links your earnings record directly from our database.

Note: If your birthday is on January 1st, we figure your benefit as if your birthday was in the previous year.

If you qualify for benefits as a Survivor, your full retirement age for survivors benefits may be different.

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.)

Enter the age in years and months at which you plan to stop working. Your earnings are assumed to stop at that age.

Note: This calculator will accept a stop-work age up to 85. If the age you enter is less than 62, we estimate your benefit at age 62. If the age you enter is at least 62, we use that age when we estimate your benefit.

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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 zeros will be overlaid.

Enter your annual earnings from 1951 to 2021.

Note: If you were born after 1951, any earnings you enter before your year of birth will be ignored.

Enter the amount you expect to earn in 2022.

Enter the amount you expect to earn in 2023. The calculator will use this same amount of earnings for each future year up to the year you expect to stop working.

Calculate

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 will become disabled or die in 2022. We did not use earnings after 2022 in calculating these estimates.

Your monthly survivor benefits:

Retirement Planning

If you have an estimate of your monthly Social Security retirement benefit (in future, inflated dollars), you can use the Employee Benefit Research Institute (EBRI), Ballpark E$timate Online, to get a basic idea of how much you need to save before you retire.

Note: If your Online Calculator retirement benefit estimate is in "today's dollars," you can still use the Online Calculator. Just go back to "Today's dollars or future dollars," select "future (inflated) dollars" and press the "Calculate Benefit" button to update your estimate.