# Social Security Calculator

> Estimate a 2026 retirement benefit from average indexed annual earnings and claiming age.

Page: https://askcalculators.com/calculator/social-security-calculator/
Definition: https://askcalculators.com/calculator/social-security-calculator/definition.json
JSON Schema: https://askcalculators.com/calculator/social-security-calculator/schema.json
Version: 7.0.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/calculator/social-security-calculator/?averageIncome=60000&retireAge=67

## Inputs
- averageIncome: Average Annual Income ($); type=number; optional; default=60000
- retireAge: Retirement Age; type=number; optional; default=67; min=62; max=70

## Outputs
- result: Result; format=text; primary

## Formula
AIME = floor(average indexed annual earnings ÷ 12); 2026 PIA = 90% of the first bend-point segment + 32% of the second + 15% above it, adjusted for claiming age.

The earnings input is treated as average indexed annual earnings; a real SSA benefit uses up to 35 years of indexed earnings.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: Educational benefit estimate; use your official Social Security record for planning.