# How Much Social Security Will I Get

> Free Social Security calculators: your monthly benefit at every age from 62 to 70, worked out with SSA’s published formula and figures, with guides to claiming, spouses and survivors, state taxes and the 2027 COLA.

An independent website: it is not the Social Security Administration (SSA), not a government website, and not run by, endorsed by or connected with SSA, the IRS or any other agency. Published by PVV Media Technologies, Newton, Iowa. Free, with no advertising; it sells nothing and gives no legal, tax or financial advice. Applying for Social Security is free with SSA.

The estimates use SSA’s published formula and figures: the national average wage index, the highest 35 years of indexed earnings averaged into the AIME, the PIA formula and its bend points, every cost-of-living adjustment (COLA), and the reductions and credits for the age benefits start. They reproduce SSA’s own worked examples to the cent. A reader’s exact benefit is in their record at [my Social Security](https://www.ssa.gov/myaccount/). The calculators run in the reader’s browser; an earnings record pasted into the estimator never leaves the browser and is never stored. Without the page’s script, a calculator’s button sends its boxes (never the earnings record) in the body of the request, not the address, and nothing is kept.

Figures for 2027, from SSA (checked October 29, 2026):

- Cost-of-living adjustment for 2027: 3.6%, announced October 14, 2026 for about 76 million people; Social Security benefits rise from the payment for December, paid in January 2027, and SSI from December 31, 2026. The COLA for 2026 was 2.8% ([Cost-of-Living Adjustment (COLA) Information](https://www.ssa.gov/cola/), [2027 Cost-of-Living Adjustment (COLA) Fact Sheet](https://www.ssa.gov/news/en/cola/factsheets/2027.html)).
- Average monthly benefit, January 2027 (SSA’s estimates): all retired workers $2,095 before the COLA, $2,170 after; aged couple both getting benefits $3,238 and $3,355; aged widow or widower alone $1,936 and $2,005; all disabled workers $1,642 and $1,701 ([fact sheet](https://www.ssa.gov/news/en/cola/factsheets/2027.html)).
- Average monthly benefit in September 2026: retired workers $2,088.79 (55.1 million people); 71.6 million people got Social Security in all ([Monthly Statistical Snapshot](https://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/)).
- Maximum benefit at full retirement age: $4,188 a month in 2027 ($4,152 in 2026). SSA’s examples for a worker who always earned the taxable maximum, starting in January 2027: $3,094 at 62, $3,666 at 65, $3,883 at 66, $4,188 at 67 and $5,358 at 70 ([Workers with Maximum-Taxable Earnings](https://www.ssa.gov/oact/cola/examplemax.html)).
- Earnings taxed for Social Security (the taxable maximum): $192,300 in 2027 ($184,500 in 2026), at 6.2% each for the worker and the employer ([Contribution and Benefit Base](https://www.ssa.gov/oact/cola/cbb.html)).
- Earnings test in 2027: $25,560 a year ($2,130 a month) before the year of full retirement age; $67,920 ($5,660 a month) in the year it is reached; no limit from full retirement age ([Exempt Amounts Under the Earnings Test](https://www.ssa.gov/oact/cola/rtea.html)).
- Credits: one credit for each $1,970 of earnings in 2027, at most 4 a year; 40 credits make a worker eligible for retirement benefits ([fact sheet](https://www.ssa.gov/news/en/cola/factsheets/2027.html)).
- Benefit formula for people who turn 62 in 2027: 90% of the first $1,340 of average indexed monthly earnings, 32% up to $8,077, 15% above ([Benefit Formula Bend Points](https://www.ssa.gov/oact/cola/bendpoints.html), [Primary Insurance Amount](https://www.ssa.gov/oact/cola/piaformula.html)); family maximum bend points $1,712, $2,471 and $3,223 ([Formula for Family Maximum Benefit](https://www.ssa.gov/oact/cola/familymax.html)).
- National average wage index for 2025: $72,800.33, up 4.23% on 2024 ([National Average Wage Index](https://www.ssa.gov/oact/cola/AWI.html)).
- Full retirement age: 67 for people born in 1960 or later; starting at 62 pays 70% of the full amount, waiting to 70 pays 124% ([Benefit as a percentage of PIA at ages 62 to 70 (early or delayed retirement)](https://www.ssa.gov/oact/ProgData/ar_drc.html)).
- SSI federal payment in 2027: $1,029 a month for one person, $1,544 for a couple; substantial gainful activity $1,770 a month ($2,950 if blind) ([fact sheet](https://www.ssa.gov/news/en/cola/factsheets/2027.html)).
- Payment days in 2027: the second, third or fourth Wednesday of the month, by the day of the month a person was born (1st–10th, 11th–20th, 21st–31st); the 3rd of the month for people getting benefits since before May 1997, or getting both Social Security and SSI; SSI on the 1st. A payment date on a weekend or federal holiday moves to the business day before ([Schedule of Social Security Benefit Payments 2027 (Publication No. 05-10031)](https://www.ssa.gov/pubs/EN-05-10031-2027.pdf), [Social Security Act, section 708: delivery of benefit checks](https://www.ssa.gov/OP_Home/ssact/title07/0708.htm)).
- A worked example by the site’s rules: someone born June 15, 1966 who earned $60,000 a year in today’s money from age 22 gets about $1,673 a month at 62, $2,377 at full retirement age (67) and $2,947 at 70, in today’s dollars.
- States (October 29, 2026, each from the state’s own tax agency, forms and laws): 9 states have no state income tax (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming); 30 states and DC have an income tax that leaves Social Security out; 6 states tax it for some people (Colorado, Connecticut, Minnesota, New Mexico, Utah and Vermont); 1 state taxes it as on the federal return (Montana). Not yet checked on their own pages, so no answer is given: Hawaii, Indiana, Missouri and Rhode Island. Whatever the state does, up to 85% of benefits can be taxable on the federal return ([IRS Publication 915](https://www.irs.gov/publications/p915)).

## Calculators and guides

- [How Much Social Security Will I Get](https://howmuchsocialsecuritywilliget.com/): the estimator: date of birth and pay in, the monthly benefit at every age from 62 to 70 out, with the month it starts, the share of the full amount, the total paid by 85 and the break-even ages; or paste the earnings record from my Social Security.
- [Social Security Calculator Using Your Own Earnings Record](https://howmuchsocialsecuritywilliget.com/social-security-calculator/): Paste your earnings table from my Social Security, or open its file, and see your monthly benefit at every age from 62 to 70. Nothing is sent.
- [Claim Social Security at 62, 67 or 70? The Break-Even Math](https://howmuchsocialsecuritywilliget.com/claiming-age/): Born in 1960 or later? Claiming at 62 pays about 70% of your full benefit for life, and 70 pays 124%. Waiting to 70 beats 62 past about 80, and 67 past 82½.
- [Full Retirement Age for Social Security, by Year of Birth](https://howmuchsocialsecuritywilliget.com/full-retirement-age/): Full retirement age is 67 if you were born in 1960 or later, 66 if born from 1943 to 1954, and 66 plus 2 to 10 months for 1955 to 1959.
- [Social Security COLA 2027: 3.6% Raise and Your New Check](https://howmuchsocialsecuritywilliget.com/cola-2027/): Social Security and SSI rise 3.6% for 2027: from the January 2027 payments for Social Security, and from December 31, 2026 for SSI.
- [Social Security Payment Schedule 2027: Every Date](https://howmuchsocialsecuritywilliget.com/payment-schedule-2027/): Social Security pays on the 2nd, 3rd or 4th Wednesday by birth date, some on the 3rd, SSI on the 1st. Every 2027 date, including moved ones.
- [Ethan Wright, Enrolled Agent and Reviewer of How Much Social Security Will I Get](https://howmuchsocialsecuritywilliget.com/about/ethan-wright/): Ethan Wright, an enrolled agent who has advised clients on when to claim Social Security since 2011, reviews How Much Social Security Will I Get.
- [Piyush Choudhary, Editor of How Much Social Security Will I Get](https://howmuchsocialsecuritywilliget.com/about/piyush-choudhary/): Piyush Choudhary edits the guides and calculators of How Much Social Security Will I Get: 12+ years in US benefits content.

## Data files (CSV)

- [social-security-benefits-by-salary.csv](https://howmuchsocialsecuritywilliget.com/social-security-benefits-by-salary.csv): Every yearly pay in the table, with the year of birth, the monthly benefit at 62, at full retirement age and at 70, and the average indexed monthly earnings (AIME) behind them.
- [social-security-cola-history.csv](https://howmuchsocialsecuritywilliget.com/social-security-cola-history.csv): Every cost-of-living adjustment since 1975: the year SSA lists it under, the month it was first paid and the increase.
- [social-security-by-state.csv](https://howmuchsocialsecuritywilliget.com/social-security-by-state.csv): Each state and DC: whether it taxes Social Security (or that its rule is not yet checked on its own pages), for which tax year, the average retired-worker benefit and the number of people getting Social Security, with SSA’s month.

## About this site

- [About How Much Social Security Will I Get](https://howmuchsocialsecuritywilliget.com/about/): Who publishes the site, and that it is independent of SSA
- [How the calculators work](https://howmuchsocialsecuritywilliget.com/sources/): How every calculator works out its answer, and the official pages behind each figure
- [Corrections](https://howmuchsocialsecuritywilliget.com/corrections/): How to report a mistake, and how it is fixed
- [Contact us](https://howmuchsocialsecuritywilliget.com/contact/): How to reach the site (it never asks for a Social Security number or an earnings record)
- [Privacy policy](https://howmuchsocialsecuritywilliget.com/privacy-policy/): What the site collects: very little; an earnings record never leaves the browser
- [Terms of use](https://howmuchsocialsecuritywilliget.com/terms/): Terms of use
- [All pages](https://howmuchsocialsecuritywilliget.com/sitemap/): Every page, with the day it last changed

## Full text

- [Every page of the site as text, its tables worked out now](https://howmuchsocialsecuritywilliget.com/llms-full.txt)