按 SSA 官方 PIA 公式，估算你在 62 岁/完全退休年龄/70 岁三个时点领取的月福利额。含 2026 年 COLA 2.5% 调整。
全额退休年龄：67
最多 35 年计入福利计算
美国平均约 78 岁；规划常用 85–90
FRA 时预估 PIA： $1,568/月
基于 SSA bend-point 公式估算。您的实际 PIA 请查询 ssa.gov/myaccount 社会保障对账单。
| 领取年龄 | 相对 FRA | 月福利 | 可领取年数 | 终身总额 |
|---|---|---|---|---|
| 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 |
福利估算使用 SSA 简化的 bend-point 公式及当前精算减/增表近似。实际福利取决于您的完整收入记录。准确数字请查询 ssa.gov 对账单。
| 出生年份 | 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 |
来源：SSA 退休规划器。FRA 之前领取的，前 36 个月每月减 5/9%，之后每多一个月再减 5/12%。FRA 之后每延迟一年增加 8%（延迟退休奖励），最多至 70 岁。
对于 1960 年后出生、完全退休年龄 (FRA) 为 67 岁、PIA = $2,000/月 的人，三个领取时点对比：
| 领取年龄 | 月福利 | vs FRA 增减 | 累计到 80 岁总福利 |
|---|---|---|---|
| 62 岁（提前 5 年） | $1,400 | −30% | $302,400 |
| 67 岁（FRA） | $2,000 | 基准 | $312,000 |
| 70 岁（延后 3 年） | $2,480 | +24% | $297,600 |
数据基于 SSA PIA 公式 + bend points（2026 拐点：$1,226 / $7,391）。每延后 1 年领取，福利增加约 8%（67-70 岁），直到 70 岁封顶。寿命预期 ≥ 85 岁时延后领取最优。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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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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