Calculadora de Previdência Social Grátis
Estime o valor do seu benefício da previdência social. Avalie o melhor momento para solicitar e maximize sua renda de aposentadoria.
Monthly Benefit
$2,500
Monthly Benefit vs Primary Insurance Amount (PIA)
Formula
## 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
Exemplo Resolvido
PIA of $2,500, claiming at age 62 with FRA of 67.
- 01Months early = (67 − 62) × 12 = 60 months
- 02First 36 months: 36 × 5/900 = 20% reduction
- 03Remaining 24 months: 24 × 5/1200 = 10% reduction
- 04Total reduction = 30%
- 05Monthly benefit = $2,500 × (1 − 0.30) = $1,750
Perguntas Frequentes
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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