This Social Security Calculator tool gives you an instant estimate of your Primary Insurance Amount (PIA) – the base monthly benefit you’d receive at full retirement age. Instead of hunting through SSA.gov forms, you simply enter your Average Indexed Monthly Earnings (AIME) and see your PIA in seconds.
Social Security Calculator
What Is AIME?
Your AIME condenses decades of work history into one figure by averaging your highest 35 years of earnings (adjusted for inflation). You don’t need to dig up every annual statement—just plug in your official AIME and get a reliable benefit estimate.
What Is PIA?
The PIA is the monthly check you earn if you claim at full retirement age. Claim earlier and your benefit is permanently reduced; claim later and you earn delayed‐retirement credits that boost your check. This calculator shows the unadjusted PIA before any early- or late-claiming adjustments.
How the Calculation Works
Social Security applies three percentage rates to portions of your AIME, defined by two bend points. For 2025 those bend points are $1,226 and $7,391:
- 90% of AIME up to $1,226
- 32% of AIME between $1,226 and $7,391
- 15% of AIME above $7,391
Adding those three segments produces your estimated PIA.
Why Update Bend Points Each Year?
The SSA adjusts bend points every January to reflect national wage growth. Swapping in the new values keeps your estimates accurate without touching any other code.
Interpreting Your Result
The number you see is your monthly benefit at full retirement age. If you claim before or after that age, visit SSA.gov for exact reduction or credit schedules. For