Calculadora de Previdência Social — 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
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.
- Months early = (67 − 62) × 12 = 60 months
- First 36 months: 36 × 5/900 = 20% reduction
- Remaining 24 months: 24 × 5/1200 = 10% reduction
- Total reduction = 30%
- Monthly benefit = $2,500 × (1 − 0.30) = $1,750