Як розрахувати Social Security Estimator
Що таке Social Security Estimator?
A Social Security benefit estimator calculates estimated monthly retirement benefits based on your earnings history, the age you claim, and the Social Security benefit formula.
Формула
PIA = 90% × first $1,115 AIME + 32% × next $5,613 + 15% × remainder (2024 bend points)
- PIA
- Primary Insurance Amount ($)
- AIME
- Average Indexed Monthly Earnings ($)
- FRA
- Full Retirement Age (age (66-67))
Покрокова інструкція
- 1Benefit based on Average Indexed Monthly Earnings (AIME) from 35 highest earning years
- 2Primary Insurance Amount (PIA) = 90% of first $1,174 AIME + 32% of next $5,904 + 15% of remainder
- 3Claiming at 62: reduced benefit (~70% of full); at 70: increased (~124%)
- 4Full Retirement Age (FRA): 67 for those born after 1960
Розв'язані приклади
Введення
AIME $4,000/month at FRA (age 67)
Результат
PIA = 90%×$1,174 + 32%×$2,826 = $1,057 + $904 = $1,961/month
Часті запитання
What's the full retirement age?
66-67 depending on birth year (gradually increasing). Claim before FRA = reduced benefit. After FRA = increased (8% per year).
Can I claim Social Security early?
Yes, at 62, but receive 70% of full benefit (permanent reduction). Best to wait if long life expectancy.
How is the benefit calculated?
Based on 35 highest earning years (indexed for inflation), averaged to monthly amount, then bend point formula applied.
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