62歳、FRA、70歳での月々の給付を計算。
Full Retirement Age: 67
Up to 35 years count toward your benefit
US average is ~78; planner commonly uses 85–90
Estimated PIA at FRA: $1,568/month
Estimate based on SSA bend-point formula. For your actual PIA, check your Social Security statement at ssa.gov/myaccount.
| Claim age | vs FRA | Monthly benefit | Years to collect | Lifetime total |
|---|---|---|---|---|
| 62 | -30% | $1,097 | 23.0 | $302,868 |
| 63 | -25% | $1,176 | 22.0 | $310,393 |
| 64 | -20% | $1,254 | 21.0 | $316,036 |
| 65 | -13% | $1,359 | 20.0 | $326,069 |
| 66 | -7% | $1,463 | 19.0 | $333,594 |
| 67(FRA) | +0% | $1,568 | 18.0 | $338,610 |
| 68 | +8% | $1,693 | 17.0 | $345,382 |
| 69 | +16% | $1,818 | 16.0 | $349,145 |
| 70 | +24% | $1,944 | 15.0 | $349,897 |
Benefit estimates are approximations using SSA's simplified bend-point formula and current actuarial reduction/credit tables. Actual benefits depend on your full earnings history. For exact figures, see your statement at ssa.gov.
| Birth year | FRA |
|---|---|
| 1943–1954 | 66 |
| 1955 | 66 years 2 months |
| 1956 | 66 years 4 months |
| 1957 | 66 years 6 months |
| 1958 | 66 years 8 months |
| 1959 | 66 years 10 months |
| 1960 and later | 67 |
Source: SSA retirement planner. Claiming before FRA reduces benefits 5/9 of 1% per month for the first 36 months early, then 5/12 of 1% per additional month. Delaying past FRA adds 8% per year (delayed retirement credits) up to age 70.
1960年以降生まれ、FRA=67歳、PIA=2,000ドル/月：
| 申請年齢 | 月額給付 | FRA比 | 80歳までの累計 |
|---|---|---|---|
| 62歳 | 1,400ドル | -30% | 30.24万ドル |
| 67歳（FRA） | 2,000ドル | 基準 | 31.2万ドル |
| 70歳 | 2,480ドル | +24% | 29.76万ドル |
FRA後の延期で毎年+8%（70歳まで）。85歳+まで生きるなら遅らせる方が有利。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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A Social Security calculator is a free retirement planning tool that estimates your monthly benefit at different claiming ages. Our Social Security calculator factors in your birth year (to determine Full Retirement Age), current earnings, years worked, and life expectancy. The Social Security calculator produces a comparison table showing monthly benefit and lifetime total for every claiming age from 62 to 70.
How it works
Our Social Security calculator estimates your monthly benefit at every claiming age from 62 to 70 and shows the lifetime total to your chosen life expectancy.
Type your birth year. The Social Security calculator uses it to determine your Full Retirement Age (FRA): 66 for 1943-1954 births, 66+2-10 months for 1955-1959, 67 for 1960 and later.
Type your current annual earnings and total years of Social-Security-covered work. The Social Security calculator uses these to estimate your Primary Insurance Amount (PIA) using SSA's bend-point formula.
Type the life expectancy you want to use for the lifetime comparison. 78 is the US average; 85-90 is a common planning assumption for healthy non-smokers. The Social Security calculator will show lifetime totals through that age.
The Social Security calculator shows your estimated monthly benefit at every claiming age from 62 to 70, with the reduction or credit vs FRA, years of collection, and lifetime total. Use this to compare claiming strategies.
Project retirement savings and check if you are on track.
Estimate life expectancy using the SSA 2022 actuarial table plus lifestyle modifiers for smoking, exercise, BMI, alcohol, and diet.
Project 401(k) growth with employer match, contribution limits, and tax-deferred compounding.
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