The amount you are entitled to is modified by other factors, most crucially the age at which you claim benefits. Both tools project what you could collect each month if you start Social Security at age 62, the earliest you can file; at full retirement age, currently 66 and 2 months and gradually rising to 67; and at age The AARP tool can also give you figures for every age in between, gauge the effect on your benefits of continuing to work and help you budget for your retirement years.
You can also get basic benefit estimates by calling the Social Security Administration at But remember, no matter where you get the numbers, they are estimates, not promises. Your actual benefit will vary, perhaps significantly, based on fluctuations in your earnings, cost-of-living adjustments , whether you continue to work after claiming benefits and changes in the Social Security law. Social Security sets a cap on how much of your income it takes into account in figuring your benefit.
Any income above that is not counted in your benefit calculation and is also not subject to Social Security taxes. Find the answers to the most common Social Security questions such as when to claim, how to maximize your retirement benefits and more. You are leaving AARP. Please return to AARP. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age.
You can also manage your communication preferences by updating your account at anytime. You will be asked to register or log in. Money that Social Security recipients pay in income taxes on their benefits goes back into funding Social Security and Medicare. If your retirement income is high enough that your benefits are taxable, how do you pay those benefits?
That covers federal income taxes. What about state income taxes? That depends. In 13 states , your Social Security benefits will be taxed as income, either in whole or in part; the remaining states do not tax Social Security income.
Our advice? Aim high and save as much as you can. Baby steps. What is an Index Fund? How Does the Stock Market Work? What are Bonds? Investing Advice What is a Fiduciary? What is a CFP? I'm an Advisor Find an Advisor. Your Details Done. This impacts the amount of benefits that you will receive. Do this later Dismiss.
Annual Income. We'll use this to calculate your social security benefits. Retirement Age. Enter your retirement age. Marital Status. Enter your marital status Single Married. Spouse Details. Enter your spouse year of birth Do this later Dismiss. Spouse Income. If you are currently receiving only Medicare benefits, you can still get an estimate.
For more information, read our publication Retirement Information for Medicare Beneficiaries. If you cannot use the Retirement Estimator or you want a survivors or disability benefit estimate, please use one of our other benefit calculators. For security reasons, there are time limits for viewing each page.
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