SSA.tools

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Understand Social Security

Social Security retirement benefits calculator showing estimated monthly payments

Import Your Earnings History from SSA.gov

Painless entry of your earnings records directly from your my Social Security account at ssa.gov. Copy and paste your entire earnings history directly into the calculator in a single quick step. Runs entirely in your browser, making the process secure and private.

Plan Your Retirement Age

Working more years can impact your benefit. Use the retirement age calculator to estimate how working until your full retirement age (or beyond) affects your AIME, PIA, and monthly benefit payments.

Estimate Your Benefits

Visualize how your Average Indexed Monthly Earnings (AIME) affects your Primary Insurance Amount (PIA). The calculator shows how your earnings fit into the Social Security bendpoints that determine your benefit.

Find Your Optimal Filing Age

Should you claim at 62, wait until 70, or somewhere in between? Interactive charts show how early retirement reduces benefits and how delayed retirement credits can help maximize your Social Security. See the impact on both your benefits and your spouse's spousal and survivor benefits.