Social Security Planning

Social Security Income Estimator

Estimate your monthly Social Security benefit based on your income history and planned claiming age. Results are calculated using the SSA's bend-point formula and update as you type.

Enter your information below to estimate your Social Security retirement benefits. All results update automatically as you change values.

Your Information

Use your average career earnings — Social Security bases your benefit on your highest 35 years of indexed income.

Spouse Information

Include your spouse's benefit to see your combined household estimate.

Assumptions

The inflation rate adjusts your future benefit to reflect the purchasing power of today's dollars.

Estimated Benefits

Your Benefits

Monthly benefit
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Annual benefit (today's $)
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Annual benefit (at retirement)
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Income Summary

Income replacement rate
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Percentage of your current income replaced by Social Security at your chosen claiming age.

This estimate uses the Social Security Administration's bend-point formula (2025 bend points: $1,226 / $7,391 monthly AIME) and assumes your entered income represents your career average. Actual benefits depend on your complete 35-year earnings history and may differ. For an official personalized estimate, visit ssa.gov or call 1-800-772-1213. This tool does not account for the Windfall Elimination Provision (WEP), Government Pension Offset (GPO), or taxation of benefits.