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Social Security Calculator
Estimate your US Social Security monthly benefit.
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Frequently asked questions
What is AIME?
Average Indexed Monthly Earnings. SSA takes your highest 35 years of earnings, adjusts each for wage inflation, sums them, and divides by 420 months to get your AIME.
Should I claim at 62 or 70?
Claiming at 62 gives 70% of PIA for life. At 70, 124%. Break-even vs 67 is around age 80 for early claiming, 82 for delayed. If you have longevity in the family, delaying wins.
Is Social Security taxable?
Up to 85% of benefits can be federally taxable based on "combined income" (half of SS + other income + tax-exempt interest). State tax varies.
Will Social Security run out?
The trust fund is projected to be depleted around 2033 under current law. After that, payroll taxes would cover ~77% of scheduled benefits. Congress has historically acted before such deadlines.