SSA.tools Social Security Calculator

https://ssa.tools/

Social Security Guides

  • Navigating Social Security During Administrative Changes

    If you've tried to access Social Security services recently, you may have encountered longer wait times, website outages, or difficulty reaching representatives. These challenges are not coincidental but stem from significant administrative changes implemented by the Trump administration in 2025.

  • Social Security Work Credits

    How do work credits work and how many do I need to qualify for Social Security benefits?

  • Possible causes of Parsing Errors

    SSA.tools accepts a copy and pasted earnings record from the Social Security Administration's website. This guide explains If your earnings record is not being parsed correctly, this guide may help you understand why and how to fix it.

  • Deep look at Spousal Benefits and Filing Dates

    Spousal Benefits are sometimes commonly misunderstood to be equal to half of the other spouse's benefit. This guide takes a deep dive into how spousal benefits are calculated and how different filing dates can affect the final benefit calculation in confusing ways.

  • Navigate the Filing Date Chart

    This site's calculator shows a information dense chart of how filing dates affect your benefits. The chart can be a little confusing at first, so here's a guide to help you understand it.

  • Will Social Security Run Out?

    And what happens if it does? Learn more about the Social Security Trust Fund, how it's slowly running out, and how what happens next could affect your benefits.

  • Bump in delayed benefits after January

    For those starting benefits after Normal Retirement Age, there is a small delay in some of the delayed credits until the following January.

  • Federal Taxation of Social Security Benefits

    A Comprehensive Guide to Calculating the Taxability of Social Security Benefits Based on AGI.

  • International Agreements

    How does working abroad affect social security?

  • Rules for those born on the 1st or 2nd of the month

    Learn more about how Social Security law is affected by the day of the month one was born in.

  • Why does ssa.tools use the current year's indexing factors for someone younger than 62?

    SSA.gov publishes estimated future indexing factors based on economic projections. Should ssa.tools use these factors and why?

  • The effect of AWI declining in 2020 due to Covid

    For earners who were born in 1960, the effect of a potentially much lower average wage in 2020 may have an outsized impact on their lifetime benefit.

  • Earnings Caps

    How do Social Security annual earnings caps work?

  • Maximum Benefits

    What is the maximum possible Social Security benefit that someone can receive?

  • Social Security and Inflation

    Learn how two different types of inflation, wage increase and consumer price index, each interact to affect your social security benefit.