Age Retire Calculator
Social Security Retirement Age Calculator works out Full retirement age and Full retirement age in months from Date of birth, Age you plan to claim and Extra months. The default figures on this page give full retirement age of 67; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
3 steps
- Year of birth used: 1960.
- Full retirement age for 1960: 67, reached on 2027-06-15.
- Claiming 60 months early: 36 x 5/9% = 20% plus 24 x 5/12% = 10%, a total reduction of 30%.
Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
4 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the Social Security Retirement Age Calculator calculates
Your Social Security full retirement age from your date of birth (66 for births in 1943-1954, rising two months a year to 67 for 1960 and later, with the statutory January 1 rule), the date you reach it, and the percentage of your primary insurance amount payable if you claim at any age from 62 to 70 - reduced 5/9 of one percent a month for the first 36 early months and 5/12 of one percent thereafter, or increased by the 8%-a-year delayed retirement credit.
How to use this Social Security Retirement Age Calculator
Enter Date of birth, Age you plan to claim, Extra months and Monthly benefit at full retirement age (optional). Full retirement age updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Full retirement age, Full retirement age in months and Date you reach it.
The method follows 42 U.S.C. 416(l) - Retirement age (Social Security ACT §216(l)), US Social Security Administration, Full Retirement Age and Early or Late Retirement, 20 CFR 404.410 (reduction for early retirement) and 20 CFR 404.313 (delayed retirement credits) and SSA Program Operations Manual System GN 00302.400 - Age computation.
Born in 1960, claiming at 62 example
With Date of birth: 1960-06-15, Age you plan to claim: 62, Extra months: 0, the calculator returns Full retirement age: 67, Date you reach it: 2027-06-15, Benefit as a percentage of the full amount: 70. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Full retirement age, Full retirement age in months and Date you reach it. The inputs you can vary are Date of birth, Age you plan to claim, Extra months and Monthly benefit at full retirement age (optional).
Understanding Full retirement age, Full retirement age in months and Date you reach it
Benefit percentages apply to your primary insurance amount, which depends on your full earnings record. Spousal, survivor and disability benefits follow different rules - check ssa.gov or your Social Security statement.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How much do you have to make to get $3,000 a month in Social Security?
On the figures this page opens with, the full retirement age is 67. No single number fits everyone: it follows Date of birth, Age you plan to claim and Extra months, so enter your own above and the answer updates as you type.
Can I retire at 62 and still get Social Security?
Your Social Security full retirement age from your date of birth (66 for births in 1943-1954, rising two months a year to 67 for 1960 and later, with the statutory January 1 rule), the date you reach it. Put your own figures in above and the working updates beside the result. For scale, the default figures on this page give 67.
How much Social Security will I get if I make $120000 a year?
It needs Date of birth, Age you plan to claim, Extra months and Monthly benefit at full retirement age (optional). Nothing else is required, and the figures stay in your browser.
How much Social Security do I lose if I retire at 65 instead of 67?
The result gives Full retirement age, Full retirement age in months, Date you reach it, That date falls on, Date of the chosen claiming age and Months early (-) or late (+), each labelled with its unit so the figure can be read on its own.
What information do I need for the Social Security Retirement Age Calculator?
You need Date of birth, Age you plan to claim, Extra months and Monthly benefit at full retirement age (optional). The page opens with default figures that give full retirement age of 67, so you can see the scale before entering your own.
What does this Social Security Retirement Age Calculator show?
It shows Full retirement age, Full retirement age in months, Date you reach it, That date falls on, Date of the chosen claiming age, Months early (-) or late (+), Benefit as a percentage of the full amount and Reduction for claiming early, with the working and any warnings for your entries.