Social Security Calculator (2026)
Estimate monthly benefits at 62, FRA (67), and 70 using 2026 SSA bend points and the $184,500 wage base.
Inputs
Uses 2026 bend points: 90% below $$1,226, 32% to $$7,391, 15% above. Simplified vs. SSA's 35-year AIME.
How it works
PIA = 90% × min(AIME, $$1,226) + 32% × next slice to $$7,391 + 15% above. AIME uses your indexed earnings capped at the wage base. Early claim = actuarial reduction; delayed = +2/3% per month past FRA.
Frequently asked questions
How does 2026 differ from earlier years?
The taxable wage base rises to $184,500; max OASDI tax = $11,439. Bend points update annually.
Is this guaranteed?
No — these are projections that assume your inputs hold. Real markets and life are variable.
What's the 4% safe-withdrawal rule?
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
Should I max out my 401(k)?
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth vs. Traditional?
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
When should I start saving?
Immediately. The single biggest variable in retirement success is years of compounding.