Social Security Benefit Calculator
Estimate your Social Security benefit at full retirement age from your Average Indexed Monthly Earnings (AIME) using the 2026 primary insurance amount (PIA) formula.
Your details
- Annual benefit
- $31,990.56
Benefit by bend-point band
- 90% band
- $1,157.4043%
- 32% band
- $1,508.4857%
- 15% band
- $0.000%
Formula
PIA = 90% of the first $1,286 of AIME + 32% of AIME between $1,286 and $7,749 + 15% of AIME above $7,749 (2026 bend points). This gives the benefit at full retirement age; claiming earlier reduces it and delaying to age 70 increases it.
Frequently asked questions
What is AIME?⌄
Average Indexed Monthly Earnings is your highest 35 years of earnings, indexed for wage growth, then divided by 420 months. The SSA calculates it from your earnings record.
Is this my exact benefit?⌄
No — it is an estimate at full retirement age using the 2026 bend points. Your actual benefit depends on your full earnings history, your claiming age, and future cost-of-living adjustments. Check ssa.gov for your personalized estimate.
Sources & methodology
PIA at full retirement age using 2026 bend points ($1,286 / $7,749; 90/32/15%). Excludes early/delayed claiming adjustments and future COLAs. Not financial advice — see ssa.gov for your personalized estimate.
- •SSA — Benefit formula bend points — Social Security Administration
- •SSA — PIA computation — Social Security Administration
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