Social Security claiming calculator

Type the primary insurance amount from your my Social Security statement — the unreduced check at full retirement age. The model applies SSA’s early-reduction and delayed-retirement formulas and the 2026 earnings-test amounts as labeled SSA figures, not a live scrape. Primer: 62 vs FRA vs 70. Couples file is already the 12-step household wall — no second playbook.

The statement

PIA at full retirement age ($ / month) Full retirement age Claim age (years) Claim age extra months

62 is the earliest. Credits stop at 70. PIA is yours — this page does not invent a bend-point PIA from wages.

Work / COLA / horizon

Wages this year if you claim ($) Earnings-test year Annual COLA % (example, not a forecast) Lifetime horizon (age)

2026 earnings test (SSA): $24,480 under FRA all year; $65,160 in the FRA year until the birthday month. After FRA, no test. 2026 COLA was 2.8% — type it only as a what-if.

62 / FRA / 70

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Educational estimate. One worker, one PIA. Spousal, survivor, WEP (repealed), and government-pension offsets are out of scope — that file is couples claiming. Earnings withheld before FRA are not a fine; SSA recomputes at FRA. Medicare is a 65 calendar even if you delay the check. Not advice. Confirm SSA retirement-age and while-working pages for the year you file.