Plan with clarity, not guesswork

Social Security Benefit Calculator

Compare how your earnings history, future work, and claiming age could change your retirement benefit.

Free to useNo accountCalculated on your device

Private by design. Your birth date, earnings, and results stay on this device.

Step 1

Your timeline

Date of birthPlanned stop-work year Optional. Future earnings phases must end by this year; claiming can happen later.

Step 2

Earnings history — one “year, amount” per lineTreat omitted years as $0. I reviewed my earnings record.

Step 3

Model full-time, part-time, or zero-income periods separately. Leave this section empty if you do not want to project future earnings.

Future earnings phase 1Start yearEnd yearAnnual covered earnings

Future earnings phase 2Start yearEnd yearAnnual covered earnings

Future earnings phase 3Start yearEnd yearAnnual covered earnings

Step 4

Scenario 1Claim ageClaim month

Scenario 2Claim ageClaim month

Scenario 3Claim ageClaim month

Built to show its work

Add full-time, part-time, and no-work phases instead of assuming one salary forever.

See why stopping work and starting benefits are two different decisions.

Review indexed earnings, highest 35 years, AIME, PIA, and claiming adjustments.

Claiming Planner is an independent educational tool, not an official SSA calculator. See who we are, review the important limitations, or report a correction.