Social Security benefit calculator (widget)

Monthly benefit starting at 67

$2,479

100.0% of your primary insurance amount ($2,479.00), in today's dollars

At 62 and 1 month	$1,745
At your full retirement age (67)	$2,479
At 70	$3,073
Waiting from 62 to FRA pays off at	age 78 and 9 months
Waiting from FRA to 70 pays off at	age 82 and 7 months

Assumes your pay kept the same rank against the national average wage throughout your career. For your real record, use the earnings-record calculator.

How your benefit is built

1. Earnings indexed to 2024. Each year before 2024 is multiplied by the national average wage index of 2024 divided by that year's index; 2024 and later years count at face value. Earnings above each year's taxable maximum are ignored.

Show the 43 years (35 counted)

Year	Earnings	Index factor	Indexed	In top 35
1988	$17,992	3.6126	$64,998	no
1989	$18,705	3.4750	$65,000	yes
1990	$19,569	3.3216	$65,000	yes
1991	$20,298	3.2023	$65,000	yes
1992	$21,344	3.0454	$65,000	yes
1993	$21,528	3.0194	$65,001	yes
1994	$22,105	2.9405	$64,999	no
1995	$22,991	2.8271	$64,999	no
1996	$24,116	2.6953	$65,001	yes
1997	$25,523	2.5467	$65,000	yes
1998	$26,859	2.4201	$65,001	yes
1999	$28,356	2.2923	$65,001	yes
2000	$29,924	2.1722	$65,001	yes
2001	$30,638	2.1216	$65,001	yes
2002	$30,945	2.1005	$65,000	yes
2003	$31,701	2.0504	$65,000	yes
2004	$33,175	1.9593	$65,000	yes
2005	$34,389	1.8901	$65,000	yes
2006	$35,969	1.8071	$64,999	no
2007	$37,602	1.7286	$65,000	yes
2008	$38,467	1.6898	$65,000	yes
2009	$37,887	1.7156	$65,001	yes
2010	$38,782	1.6760	$65,000	yes
2011	$39,997	1.6251	$65,000	no
2012	$41,246	1.5759	$65,000	yes
2013	$41,773	1.5560	$64,999	no
2014	$43,256	1.5027	$65,000	yes
2015	$44,761	1.4522	$65,000	yes
2016	$45,267	1.4359	$65,000	yes
2017	$46,830	1.3880	$65,000	yes
2018	$48,527	1.3394	$64,999	no
2019	$50,346	1.2911	$65,000	yes
2020	$51,769	1.2556	$65,001	yes
2021	$56,372	1.1531	$65,000	yes
2022	$59,368	1.0949	$64,999	no
2023	$61,999	1.0484	$65,000	yes
2024	$65,000	1.0000	$65,000	yes
2025	$65,000	1.0000	$65,000	yes
2026	$65,000	1.0000	$65,000	yes
2027	$65,000	1.0000	$65,000	yes
2028	$65,000	1.0000	$65,000	yes
2029	$65,000	1.0000	$65,000	yes
2030	$65,000	1.0000	$65,000	yes

2. AIME $5,416. The best 35 indexed years add up to $2,275,007; divided by 420 months and rounded down to the dollar.
3. PIA formula of 2028 (2026 formula used for a later year). 90% of the first $1,286 = $1,157.40; 32% from $1,286 to $7,749 = $1,321.60; 15% above $7,749 = $0.00. Total rounded down to the dime: $2,479.00.
4. Age at the start: 67. Exactly your full retirement age: 100% of the PIA. Monthly benefit, rounded down to the dollar: $2,479.

You turn 62 after 2026, so the wage index of 2024 and the 2026 bend points stand in for figures not yet published. The result is in today's dollars: the SSA's own Quick Calculator works the same way.