Social Security calculators

These 5 free calculators use the Social Security rules for 2026 and 2027. Each one has a worked example and links to ssa.gov.

Last updated: October 19, 2026. Education, not financial advice.

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• Break-even calculator: A break-even age is the age when the total you collect from starting later catches up with the total from starting earlier.
• Spousal benefit calculator: A spouse can get up to half of the worker's full benefit, but only if the spouse starts at their own full retirement age or later.
• Survivor benefit calculator: A surviving spouse can get up to 100% of the benefit the deceased worker was getting, starting as early as age 60.
• Full retirement age calculator: Your full retirement age is 66 if you were born in 1954 or earlier, it rises by 2 months for each birth year from 1955 to 1959, and it is 67 if you were...
• Earnings test calculator: If you start benefits before full retirement age and keep working, Social Security holds back $1 of benefits for every $2 you earn above $25,560 in 2027.

Source: Retirement benefits (opens in a new tab), Full retirement age and reduction by claiming age (opens in a new tab)

Sources

• Retirement benefits (opens in a new tab)
• Full retirement age and reduction by claiming age (opens in a new tab)
• Quick Calculator (opens in a new tab)

Keep reading

• All guides
• How it works

Wait or Claim is independent. We are not affiliated with, endorsed by or connected to the Social Security Administration or any government agency. We give education, not financial, tax or legal advice. Check your own facts with Social Security (ssa.gov) before you file.