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  1. So benefit estimates made by the Quick Calculator are rough. Although the "Quick Calculator" makes an initial assumption about your past earnings, you will have the opportunity to change the assumed earnings (click on "See the earnings we used" after you complete and submit the form below). You must be at least age 22 to use the form at right.

    • Retirement Age Calculator. Find your full retirement age and learn how your monthly benefits may be reduced if you retire before your full retirement age.
    • Windfall Elimination Provision (WEP) Calculator. Estimate if you are eligible for a pension based on work that was not covered by Social Security.
    • GPO Calculator. Estimate of spouse benefits for yourself if you receive a pension from a government job in which you did not pay Social Security taxes. Your benefit may be offset by the Government Pension Offset (GPO).
    • Detailed Calculator. Get the most precise estimate of your retirement, disability, and survivors benefits. The estimate includes WEP reduction. Must be downloaded and installed on your computer.
  2. Jan 9, 2024 · The full retirement age for Social Security ranges from 65 to 67. The SSA decides a person's full retirement age based on when they were born. Eligibility age: The earliest age at which a person ...

  3. Estimate if you are eligible for a pension based on work that was not covered by Social Security. GPO Calculator. Estimate of spouse benefits for yourself if you receive a pension from a government job in which you did not pay Social Security taxes. Your benefit may be offset by the Government Pension Offset (GPO). Detailed Calculator. Get the ...

  4. Call 800-343-3548. The estimated Social Security retirement benefits calculated by the Tool and the possible benefits claiming strategies generated by the Tool are hypothetical and are not guarantees of Social Security retirement benefits. Social Security retirement benefits are very complex and determined by the Social Security Administration.

    • What Does AARP’s Social Security Benefits Calculator do?
    • How Does The Calculator Estimate My Retirement Benefits Payment?
    • Who Is Eligible to Collect Social Security Retirement Benefits?
    • How Is Social Security Funded?
    • When Should I Start Collecting Social Security?

    The calculator provides an estimate of your Social Security benefits, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover, and how you can increase your benefits by waiting to collect. It can also tell you how your retirement earnings will be affected if you keep working afte...

    Our simplified estimate is based on two main data points: your age and average earnings. Your retirement benefit is based on how much you’ve earned over your lifetime at jobs for which you paid Social Security taxes. Your monthly retirement benefit is based on your highest 35 years of salary history. You can get your earnings history from the Socia...

    Workers who are at least age 62 and who have worked at least 10 combined years at jobs for which they paid Social Security taxes are eligible for Social Security retirement benefits. In many cases, spouses, widows and divorcees are eligible for Social Security retirement benefits based on a spouse’s or ex-spouse’s earnings history. Unmarried childr...

    Primarily through a payroll tax. The current tax rate for Social Security is 6.2 percent for the employer and 6.2 percent for the employee — 12.4 percent total. If you’re self-employed, you have to pay the entire amount. The government collects Social Security tax on wagesup to $142,800 in 2021.

    Ultimately, the decision of when to begin collecting Social Securityis one you have to make. It depends on your age, your health status, how much you spend and how much you have saved. It’s generally best to start collecting as late as you can, because you get a larger monthly payment, which is adjusted for inflation each year. Consider a retiree w...

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  6. See estimates for various benefits based on your earnings and when you apply. You can also adjust expected future income to see how that impacts your retirement estimate. Sign in to your Social Security account to see how much you or your family might get in benefits payments.

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