Module 3c: Social Security Benefits Calculators
Social Security has a number of ways for you to estimate your Social Security benefits online.
You can use the Social Security Estimator to compute estimates of your future Social Security retirement benefits. The Social Security Estimator will give you estimates based on your actual
Social Security earnings record. You can use the Estimator if you are not currently receiving
benefits on your own Social Security record, not a Medicare beneficiary, you have enough Social Security credits at this time to qualify for Social Security, and you are NOT eligible for a pension based on work not covered by Social Security.
This estimator requires you to log in before it provides an estimate similar to the estimate that you receive in your Social Security Statement each year. You can also create "what if" scenarios
using this estimator. Since this estimator links to your actual Social Security records, there are time limits for each page of the estimator to help keep your information secure.
If you qualify to use the Social Security Estimator, go to www.socialsecurity.gov/estimator. If you are not eligible to use it or don't want to log in, you can use
one of the other options for estimating your Social Security retirement benefits.
There are 3 other options that are not linked to your Social Security record and which are based on your input:
- The Quick Calculator gives rough estimates of benefits at age 62, at full retirement age,
and at 70.
- The Online Calculator gives benefit estimates based on past, present, and projected
- The Detailed Calculator produces the most precise estimates and allows you to customize
your projections for retirement, survivors, and disability benefits for yourself and your
family based on differing scenarios.
Once you have an estimate you may want to link to additional charts and calculators provided
on the Social Security web site to earnings, pensions, and different retirement dates can affect
You can try the Quick Calculator for David. He was born in 1955. His earnings this year are $30,000. Try the quick calculator to estimate David's social security benefits. Next, try the Quick Calculator using your age and earnings for this year.
Module 3 - Module 3a | Module 3b | Module 3c