Your earnings
Copy and paste your earnings record
Sign in to your my Social Security account at ssa.gov, copy your earnings history, and paste it in. That's the whole setup. Everything runs in your browser, so your earnings never leave your device.
Future work
See what more years of work are worth
Your benefit is based on your highest 35 years of earnings. Tell the calculator how much longer you plan to work and roughly what you'll earn, and watch your monthly benefit update.
The formula
See how your benefit is calculated
Social Security averages your top 35 years of earnings, adjusted for wage growth. It pays back 90% of the first part of that average, 32% of the next, and 15% of the rest. The chart shows where your earnings fall and what that means for your monthly check.
When to claim
Try different filing ages
Claim at 62 and your check is smaller for life. Wait until 70 and it's larger for life. Drag the start date to see how your monthly benefit changes, along with your spouse's spousal and survivor benefits.
Filing strategy
Let the optimizer pick your filing ages
Not sure which age is best? The strategy optimizer tries every combination of filing dates for you (and your spouse, if you're married), weighs each by how long you're likely to live, and recommends the best one. Adjust for your health and watch the answer change.