Social Security Benefit

Rough estimate of Social Security benefits based on starting age. Actual benefits depend on 35-year earnings history.

Primary Insurance Amount (at FRA 67) ($)

Claiming age (62–70)

Full retirement age

Adjustment factor

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Monthly benefit

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Annual benefit

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SSA reduces benefits ~6.67%/yr before FRA (first 3 yrs) and ~5%/yr beyond. Delayed credits add 8%/yr up to age 70.