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Thông tin chi tiết của bạn

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Tổng số năm bạn đã làm việc (hoặc sẽ làm việc)

Ghi chú:

Đây là một ước tính. Lợi ích thực tế phụ thuộc vào lịch sử thu nhập hoàn chỉnh của bạn.

Enter your birth year, earnings, and planned retirement age, then click Calculate to see your estimated benefits and comparison by claiming age.

Hướng dẫn sử dụng hoàn chỉnh

What is Social Security?

Social Security is a federal program that provides retirement, disability, and survivor benefits. Your retirement benefit is based on your earnings history and the age at which you start claiming. You can claim as early as 62 (with a reduction) or delay up to 70 (with an increase). Your Full Retirement Age (FRA) is when you get 100%% of your Primary Insurance Amount (PIA)—it's between 66 and 67 depending on your birth year.

Các khái niệm chính

Full Retirement Age (FRA)

66–67 depending on birth year. At FRA you receive 100% of your PIA. Born 1960 or later: FRA is 67.

Early (62) vs Delayed (70)

Claiming at 62 reduces benefits by about 6.7% per year before FRA. Delaying past FRA increases benefits by 8% per year up to age 70.

AIME & PIA

Average Indexed Monthly Earnings (AIME) is based on your highest 35 years of earnings. Primary Insurance Amount (PIA) is the benefit at FRA, calculated from AIME using bend points.

Cách sử dụng máy tính này

  1. Enter your birth year and month (determines FRA).
  2. Enter current annual earnings and years worked (used to estimate AIME).
  3. Select your planned retirement/claiming age (62–70).
  4. Click Calculate to see estimated monthly benefit, PIA, and comparison by age.

Understanding the Charts & Table

The bar chart shows your estimated monthly benefit at each claiming age from 62 to 70. Your planned age is highlighted in blue, FRA in green. The table and lifetime comparison show the same data in different forms; the break-even age tells you when delaying to 70 would exceed total benefits from claiming at 62.

Formulas (simplified)

PIA uses bend points: 90% of first segment, 32% of second, 15% of third. Early reduction: 5/9 of 1% per month for first 36 months, then 5/12 of 1% per month. Delayed credit: 2/3 of 1% per month (8% per year) after FRA up to 70.

Ghi chú quan trọng

  • Estimates are based on current earnings and simplified rules. Actual benefits depend on your complete earnings history and the law in effect at claiming.
  • Create a my Social Security account at ssa.gov for a personalized estimate.

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