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Earnings Limit Calculator

This calculator will help you decide when to claim and show you how to maximize your benefits.
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What does AARP’s Social Security Calculator do?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
How does the calculator estimate my retirement benefit?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
Could marital status affect my benefits?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
What other factors could affect my benefits?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
Who is eligible to collect Social Security retirement benefits?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
How is Social Security funded?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
When should I start collecting Social Security?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
Can I use the calculator to figure out Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) payments?
The calculator provides an estimate of your monthly Social Security retirement benefit, based on your earnings history and age. Our tool also helps you see what percentage of daily expenses your payments can cover and how you can increase your payment by waiting to collect. It can tell you how your Social Security income could be affected if you keep working after you claim your benefit.
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Some Details About You
The amount of Social Security you can receive is based on your and your spouse’s earnings. To get a realistic estimate of your benefits, answer these questions:
Marital Status
Date of Birth
Your Date of Birth:
Your Spouse:
Average Annual Salary
Your Salary:
Spouse's Salary:
Projected Benefits
Based on average annual salary, estimate your monthly benefits at full retirement age.
Your Date of Birth:
Your Salary:
Your Date of Birth:
Your Salary:
Marriage Length:
If your marriage lasted less than 10 years, please change marital status to single. You aren't eligible for divorced-spouse benefits.
Edit Details
Your Results
View your estimated monthly Social Security benefit at different claiming ages.
Key Claiming Ages
All Ages
Claiming Ages
Monthly
Minimum (62)
Full (67)
Max (70)
Claiming Ages
Monthly
62
63
64
65
66
67
68
69
70+

From age 62, your monthly benefit amount will increase each month you hold off collecting until you reach age 70. You receive your maximum Social Security retirement benefit if you wait until age 70 to claim.

Below is the estimated retirement benefit for your spouse, based on the age and income information you entered. If there is a significant disparity between your projected retirement benefits, you or your spouse may be eligible for a higher benefit based on the other’s earnings history.

Learn more about spousal benefits.

Your Spouse’s Estimated Benefit
Claiming Ages
Monthly
Minimum (62)
Full (67)
Max (70)
Wise Tip:
You can file for benefits up to four months before you want your payments to start.
Next Steps
If you’re planning to claim benefits in the next few years, we can help. Our free guide has information about the application process, tax rules for benefits and more to help you prepare.
Start Planning
Edit Details
Your Results
View your estimated monthly Social Security benefit at different claiming ages.
Key Claiming Ages
All Ages
Claiming Ages
Monthly
Minimum (62)
Full (67)
Max (70)
Claiming Ages
Monthly
62
63
64
65
66
67
68
69
70+
From age 62, your monthly benefit amount will increase each month you hold off collecting until you reach age 70. You receive your maximum Social Security retirement benefit if you wait until age 70 to claim.
Wise Tip:
You can file for benefits up to four months before you want your payments to start.
Next Steps
If you’re planning to claim benefits in the next few years, we can help. Our free guide has information about the application process, tax rules for benefits and more to help you prepare.
Start Planning
Edit Details
Your Results
View your estimated monthly Social Security benefit at different claiming ages.
Key Claiming Ages
All Ages
Claiming Ages
Monthly
Minimum (62)
Full (67)
Max (70)
Claiming Ages
Monthly
62
63
64
65
66
67
68
69
70+

From age 62, your monthly benefit amount will increase each month you hold off collecting until you reach age 70. You receive your maximum Social Security retirement benefit if you wait until age 70 to claim.

You may be eligible to receive benefits based on your former spouse’s earnings history. If you are at least 62 years old, were married to your former spouse for at least 10 years and have not remarried, you could receive divorced-spouse benefits worth up to 50 percent of your ex-spouse’s Social Security payment, if that would be higher than your own retirement benefit.

Learn more about Social Security benefit options for divorced people.

Wise Tip:
You can file for benefits up to four months before you want your payments to start.
Next Steps
If you’re planning to claim benefits in the next few years, we can help. Our free guide has information about the application process, tax rules for benefits and more to help you prepare.
Start Planning
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