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To find out how much your benefit will be reduced if you begin receiving benefits from age 62 up to your full retirement age, use the chart below and select your year of birth. This example is based on an estimated monthly benefit of $1000 at full retirement age.
The normal retirement age (NRA) is the age at which retirement benefits (before rounding) are equal to the "primary insurance amount." The table below shows how NRA varies by year of birth for retirees.
You can find your full retirement age by choosing your birth year in the calculator below, or by using our retirement age chart. If your birthday is January 1st of any year, enter the previous year because that is how we determine your full retirement age.
This online Social Security benefits calculator estimates retirement benefits based on your age, retirement date and earnings. See what you might receive.
You can start receiving your Social Security retirement benefit as early as age 62. But we will reduce your benefits by as much as 30% below what you would get if you waited to begin receiving benefits until your full retirement age .
The full retirement age increases gradually if you were born from 1955 to 1960, until it reaches 67. For anyone born 1960 or later, full retirement benefits are payable at age 67. You can find your full retirement age by birth year in the full retirement age chart.
With your my Social Security account, you can plan for your future by getting your personalized retirement benefit estimates at age 62, Full Retirement Age (FRA), and age 70. You can also view retirement benefit estimates by: Entering the average annual income you expect to earn until retirement.