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Updated August 2004
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Use any of the three calculators below to estimate your potential benefit amounts using different retirement dates and different levels of potential future earnings. The calculators will show your retirement benefits as well as disability and survivor benefit amounts on your record if you should become disabled or die today.

  • The Quick and Online calculators can be used from the screen. Mac users can use the Online Calculator.
  • The Detailed Calculator must be downloaded. You can download the Mac version of the Detailed Calculator from ftp://ftp.ssa.gov/pub/oact/anypiamac.sea.hqx

Please note:

  • Calculator estimates will differ from those on your Social Security Statement if you use different assumptions.

  • If you are eligible for a pension based on work that was not covered by Social Security, your benefit amount may be reduced by the Windfall Elimination Provision (WEP).

    Use our WEP Online Calculator or download the Detailed Calculator to see the effect of WEP on your estimated benefits. (The Quick Calculator and the basic version of the Online Calculator cannot adjust for WEP.)

1. 

Quick Calculator

(Aquí en Español)
 
3. 

Detailed Calculator


Simple, rough estimate calculator. You input your date of birth and this year's earnings.
(You must be over age 21 to use this calculator.)

2. 

Online Calculator

(Aquí en Español)

You input your date of birth and your complete earnings history. You may project your future earnings.
(This calculation is similar to that shown on your Social Security Statement.)


This program provides the most precise estimates. It must be downloaded and installed on your computer
.
(Includes reduction for WEP.)

   

Warning:

  • None of these calculators are linked to your Social Security earnings record. They use the earnings amounts you enter.

  • All three calculators assume you have enough credits to qualify for benefits. They produce an estimate even if you do not actually have enough credits.

  • If you need a benefit estimate on someone else's record, such as your spouse or parent, use our toll-free number 1-800-772-1213 (if you are deaf or hard of hearing, use our toll-free TTY number, 1-800-325-0778) or contact your nearest Social Security office.

Social Security retirement benefits are the foundation on which to build a financially secure retirement. Savings and pensions also are key components of your retirement plan. Make a note of your benefit estimate and continue your planning with our Retirement Income Estimator:

Warning: The link below opens a new copy of your Internet browser. You will automatically return to this page when you close the new browser window.

Retirement Income Estimator

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