1M+
Americans Use Free SS Calculators
2026
Updated SSA Bend Points
Free
No Signup, No Email
Instant
Results in Seconds
How It Works
Get your estimated Social Security benefit in three simple steps.
Enter Your Details
Birth year, current salary, years worked, and planned claiming age. Takes about 30 seconds.
We Apply 2026 Bend Points
We calculate your AIME and PIA using current SSA formulas — the same three-tier bend point structure the SSA uses.
See Your Benefit at 62, FRA, & 70
Compare monthly, annual, and lifetime totals at all three claiming ages — plus your breakeven point.
Understanding Your Social Security Benefits
Read our in-depth guides to make the most of your retirement benefit.
When to Claim Social Security
Claim at 62 for early access (~30% reduced), wait to FRA for 100%, or delay to 70 for ~24% more. We compare all three so you can decide.
Compare Claiming Ages →How Benefits Are Calculated
Your benefit comes from a three-tier formula using 2026 bend points: 90% of the first $1,174 of AIME, 32% up to $7,078, and 15% above.
Bend Points Explained →Spousal & Survivor Benefits
Married couples can claim up to 50% of a spouse's PIA. Divorced spouses with 10+ year marriages may also qualify. Survivor benefits up to 100%.
Spousal Rules →Frequently Asked Questions
How accurate is this Social Security calculator?
This calculator uses simplified 2026 SSA bend points to give you an educational estimate. The actual SSA formula uses your highest 35 years of inflation-adjusted earnings (AIME). For your precise benefit, log into your my Social Security account at ssa.gov/myaccount.
What are the 2026 Social Security bend points?
For 2026, Social Security uses three bend points: 90% of the first $1,174 of average indexed monthly earnings (AIME), 32% of AIME between $1,174 and $7,078, and 15% of AIME above $7,078. The result is your Primary Insurance Amount (PIA).
Should I claim Social Security at 62, 67, or 70?
Claiming at 62 permanently reduces your benefit by about 30%. Claiming at your Full Retirement Age (67 for those born 1960+) gives you 100% of your PIA. Delaying to 70 increases your benefit by about 24%. The breakeven age is typically around 80–82.
Do I get a spousal benefit if I'm married?
Yes. A non-working or lower-earning spouse can claim up to 50% of the higher-earning spouse's PIA at Full Retirement Age. Divorced spouses with marriages of 10 or more years also qualify. Survivor benefits can reach up to 100% of the deceased spouse's benefit.
Is the Social Security wage base capped?
Yes. For 2026, the Social Security taxable maximum is approximately $168,600. Earnings above this cap are not subject to Social Security tax and do not increase your benefit calculation.
📋 Educational Disclaimer: This is an educational estimate using simplified 2026 SSA bend points. Your actual benefit is calculated by the SSA based on your full earnings record. We are not affiliated with the Social Security Administration. For your official estimate, visit ssa.gov/myaccount.