Social Security Calculator

What can you expect from Social Security when you retire?

Use this Social Security Calculator to help you estimate your Social Security benefits. Remember, this is only an estimate. Your actual benefits may vary depending on a number of factors, including your actual work history and income.



Social Security Income—Social Security is based on a sliding scale depending on your income, how long you work and at what age you retire. Social Security benefits can automatically increase each year based on increases in the Consumer Price Index. Including a spouse increases your Social Security benefits up to, but not over, the maximum. This calculator provides only an estimate of your benefits. Your actual benefit may be higher or lower depending on your work history and the complete compensation rules used by Social Security.

Current Age—Your current age.

Age of Retirement—Age you desire to retire.

Household Income—Your total household income. If you are married, this should include your spouse's income.

Expected Salary Increase—Annual percent increase you expect in your household income.

Expected Rate of Inflation—What you expect for the average long-term inflation rate. A common measure of inflation in the U.S. is the Consumer Price Index (CPI), which has a long-term average of 3.1% annually, from 1925 through 2007. The CPI for 2007 was 2.4%, as reported by the Minneapolis Federal Reserve.

Are You Married?—Check this box if you are married. Married couples have a higher maximum Social Security benefit than single wage earners.