Tax & Payroll
Social Security Full Retirement Age & Claiming Age Calculator
Find your full retirement age and how claiming early or late changes your monthly benefit.
Preparing your result…
What this calculator does
Shows full retirement age and claiming-age adjustment.
What your result means
Monthly benefit at the chosen claiming age.
Formula
FRA from birth year (66 → 67 phase-in). Early: −5/9% per month for first 36 months, −5/12% per month beyond. Late: +2/3% per month (8%/yr) until 70.
The step-by-step working for your own numbers appears with the result above and in the PDF report.
Frequently asked questions
Symbols and assumptions
- PIA
- Primary insurance amount
- • Born 1943 or later: 8%/yr delayed credits.
- • User supplies PIA.
Sources and review
Reviewed 2026-09-23 · Next review 2027-01-15
- • COLAs and spousal rules not modelled.
- • Rules change annually.
- • Educational estimate, not tax advice.
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
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