Social Security Calculator
Understanding Social Security
Social Security benefits are based on your 35 highest-earning years. Full retirement age is 67 for those born after 1960. Benefits increase if you delay past full retirement age.
Key Points
- Based on 35 highest-earning years
- Full retirement age: 67 (born after 1960)
- Early retirement reduces benefits
- Delaying past 67 increases benefits
💡 Tips
- Delay benefits for higher monthly amount
- Spousal benefits may be available
- Working while receiving reduces benefits
- Consider longevity in claiming decision