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Social Security Full Retirement Age Calculator

Find your US Social Security full retirement age and how much claiming at 62 reduces your benefit.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Full retirement age is 66 for people born from 1943 to 1954, rises by two months a year for 1955 to 1959, and is 67 for anyone born in 1960 or later. Claiming at 62 cuts the monthly benefit by 25% to 30%.

How to use it (step by step)

  1. 1Pick your date of birth.
  2. 2Read your full retirement age and the month you reach it.
  3. 3Compare with age 62 to see how much an early claim would cost.

Words to know

Full retirement age
The age at which you get 100% of your Social Security retirement benefit.
Early retirement
Claiming before full retirement age, from 62, for a permanently smaller monthly amount.
Benefit
The monthly payment Social Security sends you.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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