免费社会保障计算器

估算您的社会保障退休金，了解不同领取年龄对月度福利的影响。

Primary Insurance Amount (PIA)

USD

Claiming Age

years

Full Retirement Age

years

Monthly Benefit

$2,500

Annual Benefit$30,000

Benefit Adjustment0.0%

Monthly Benefit vs Primary Insurance Amount (PIA)

查看公式 →

公式

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

计算示例

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

常见问题

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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