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Use Social Security retirement calculators to estimate your benefits

Knowing how much you may receive from Social Security is important for retirement planning. Social Security’s benefit calculators give you a preview of your future payments.

How much Social Security income you may receive when you retire will depend on:

  • Your earnings over your lifetime
  • The age at which you will begin receiving benefits
  • Whether you will be eligible to receive a spouse's benefit instead of your own

You can use Social Security's benefit calculators to:

  • Estimate your retirement benefits based on when you would begin receiving them (from age 62 to 70)
  • Calculate what payments you would receive based on your earning history
  • Find out your full retirement age
  • Learn about earning limits if you plan to work while receiving Social Security benefits

When you are ready to retire, you can apply for Social Security benefits online.

LAST UPDATED: December 8, 2023


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