Calculadora de Seguro Social Gratis

Estima tu beneficio mensual de Seguro Social según tu historial de ingresos y edad de jubilación. Compara opciones de reclamación.

USD
years
years

Monthly Benefit

$2,500

Annual Benefit$30,000
Benefit Adjustment0.0%

Monthly Benefit vs Primary Insurance Amount (PIA)

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How Social Security Benefits Are Calculated

Your benefit depends on your Primary Insurance Amount (PIA) and the age you start collecting.

Claiming Early (before FRA)

  • Reduced by 5/9 of 1% per month for the first 36 months early
  • Reduced by 5/12 of 1% per month beyond 36 months

    • Delayed Retirement Credits (after FRA)

  • Increased by 8% per year (2/3 of 1% per month) up to age 70

    • Ejemplo Resuelto

    PIA of $2,500, claiming at age 62 with FRA of 67.

    1. 01Months early = (67 − 62) × 12 = 60 months
    2. 02First 36 months: 36 × 5/900 = 20% reduction
    3. 03Remaining 24 months: 24 × 5/1200 = 10% reduction
    4. 04Total reduction = 30%
    5. 05Monthly benefit = $2,500 × (1 − 0.30) = $1,750

    Preguntas Frecuentes

    What is the Primary Insurance Amount?

    PIA is the benefit you would receive at full retirement age. It is calculated from your 35 highest-earning years using the AIME formula and bend points.

    Should I claim at 62 or wait?

    Claiming at 62 gives you the smallest monthly check but more total checks. Waiting to 70 gives 76% more per month than age 62. The break-even is usually around age 80.

    Is Social Security taxable?

    Up to 85% of benefits may be taxable if your combined income exceeds $34,000 (single) or $44,000 (married filing jointly).

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