Retirement
At right is the information you provided. Below that are estimated benefit amounts for retirement at 3 different ages, including your normal (or full) retirement age (67). We assume you will work every year up to the year in which you begin receiving benefits.
As shown in the table, you can receive a monthly benefit starting at age 65 and 10 months that would be reduced for life due to early retirement. If you choose to delay the start of benefits to a higher age, you can then receive a larger monthly benefit for the rest of your life.
For example, if you start taking benefits at age 65 and 10 months, you will receive $1,596 per month for the rest of your life. But if you wait until age 67 to start receiving benefits, you will get $1,766 for the rest of your life. So by waiting until age 67, you can then receive $170 more per month than if you started lower monthly benefits at 65 and 10 months. Remember, these estimated figures are in today's dollars.
Social Security benefits are the foundation on which to build a financially secure retirement. Savings and pensions also are key components of your retirement plan.
Information you submitted
Date of birth: 6/15/1960
Current earnings: $60,000.00
Benefit in year-2026 dollars
Retirement Benefit Estimates
| Retirement age | Monthly benefit amount 1 |
|---|---|
| 65 and 10 months in 2026 | $1,596.00 |
| 67 in 2027 | $1,766.00 |
| 70 in 2030 | $2,314.00 |
1 Assumes no future increases in prices or earnings.
We have calculated your benefits by making certain assumptions about your past earnings. Please look at these earnings to see if they appear reasonable to you. You can change them and see the effect on your benefit estimates!
Disability/Survivor
For disability and survivors estimates, we assumed that you became disabled or died today. We did not use future earnings in calculating those estimates.
Disability
| Disability | Monthly benefit amount |
|---|---|
| You | $1,731.00 |
Your spouse and children may also qualify for benefits.
Survivors
| Survivors | Monthly benefit amount |
|---|---|
| Your child | $1,298.00 |
| Your spouse caring for your child | $1,298.00 |
| Your spouse at normal retirement age | $1,731.00 |
| Family maximum | $2,824.30 |
