๐ด Social Security Retirement Age Calculator
Enter your birth year to get your Full Retirement Age (FRA), then see exactly what claiming early or delaying does to your monthly benefit.
The benefit estimate is your PIA โ the amount you would receive if you claimed exactly at Full Retirement Age. You can find it on your Social Security statement at ssa.gov. Leave it out to see percentages only.
How to use the Retirement Age Calculator
Enter your date of birth to see your expected retirement age under current policy, including any early or late retirement options.
How it works
Statutory retirement ages differ by country and are periodically adjusted. In the United States the full retirement age is currently 67 for those born in 1960 or later, rising from 65 for earlier cohorts, while early retirement at 62 with reduced benefits is available throughout. Social Security benefits also begin at 62, with full benefits at the full retirement age and delayed credits up to 70.
When to use it
Use it to plan the transition out of work, to work out when reduced Social Security becomes available, and to check how the increase in life expectancy has shifted retirement planning.
Worked example
US full retirement age by birth year:
| Birth year | Full retirement age |
|---|---|
| 1955 | 66 years, 10 months |
| 1958 | 66 years, 8 months |
| 1960 or later | 67 years |
Assumptions and limitations
These figures reflect US rules and do not apply elsewhere; other countries use different ages and benefit systems. Benefit amounts are not included because they depend on your contribution record and claiming age. Health, longevity in your family and whether you enjoy the work all matter more than the date itself. Not financial or legal advice.
Frequently Asked Questions
What is the earliest age I can claim Social Security retirement benefits?
62, regardless of your birth year. But claiming at 62 locks in the maximum permanent reduction: 30% less than your full benefit if your FRA is 67 (25% if your FRA is 66). Working while claiming before FRA can reduce benefits further under the earnings test โ in 2025, $1 in benefits is withheld for every $2 earned above $23,400 โ though withheld amounts are eventually credited back after FRA.
How much more do I get if I wait until 70?
Delayed retirement credits add 8% per year of delay past FRA, up to age 70. With an FRA of 67, claiming at 70 pays 124% of your full benefit every month for life. On a $2,000 full benefit that is $2,480 versus $2,000 โ a 24% raise you cannot outlive, and it continues to grow with COLAs. There is no advantage to waiting past 70; credits stop accruing.
Do I have to claim at my Full Retirement Age?
No. FRA is not a deadline โ it is the reference age where your benefit equals 100% of your PIA. Claim before it and the benefit is permanently reduced; claim after it and it is permanently increased. You can claim anywhere from 62 to 70, in single months if you like, and the calculator above shows the exact percentage for any claiming age.
When does Medicare start โ at FRA or at 65?
Medicare eligibility is 65, independent of your Social Security claiming age. If you claim Social Security before 65, you are typically enrolled in Medicare automatically at 65; if you delay Social Security, you must sign up for Medicare yourself during the 7-month window around your 65th birthday or face late-enrollment penalties on Part B. Retiring at 62 without Medicare coverage is one of the most common and expensive planning gaps.
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