US Retirement
Social Security Full Retirement Age Calculator
Your Social Security full retirement age depends on your birth year. Claiming earlier can reduce the monthly benefit; waiting past full retirement age can increase it. This calculator shows the age tied to your birth year.
Official Standards & Rule Matrix
Birth-year tableFull retirement age from 66 to 67 depending on year
Early claimingReduction for starting before full retirement age
Delayed claimingCredits for waiting past full retirement age
ScopeEstimate only; your statement controls the actual benefit
How to use this tool
- Enter your birth year.
- Review your full retirement age.
- Compare the early and delayed claiming ages.
- Check your earnings record and benefit estimate at ssa.gov.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- What is full retirement age?
- It is the age at which you can receive your full Social Security benefit. It is 67 for people born in 1960 or later, with lower ages for earlier birth years.
- Should I claim early?
- It depends on health, cash needs, other income and whether you plan to keep working. Claiming early permanently reduces the monthly amount, so compare the break-even age.
- Does delaying always increase the benefit?
- Delayed retirement credits can increase the monthly benefit up to age 70. After 70 there is generally no further increase, so check your statement.
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