Social Security — Percent Complete

Anthony — statement 2026-06-13

Estimated monthly benefit by claim age (today's dollars, full-career)

Age 62

$2,661/mo

Reduced for claiming before FRA.

Age 63

$2,841/mo

Reduced for claiming before FRA.

Age 64

$3,037/mo

Reduced for claiming before FRA.

Age 65

$3,292/mo

Reduced for claiming before FRA.

Age 66

$3,547/mo

Reduced for claiming before FRA.

Age 67 (FRA)

$3,801/mo

Full retirement age — this is your PIA.

Age 68

$3,877/mo

Includes delayed-retirement credits.

Age 69

$4,181/mo

Includes delayed-retirement credits.

Age 70

$4,713/mo

Includes delayed-retirement credits.

Early-retirement reduction — benefit if earnings stop at each age vs. working to 67

The estimates above assume you keep earning until you claim. Retiring earlier leaves $0 years in the top-35 average, lowering the benefit. The projection applies this factor; see the definitions & method.

Stop earning at age	Benefit factor	Reduction
50	0.907	−9.3%
55	0.961	−3.9%
60	0.996	−0.4%
67 (FRA)	1.000	—

Calibration: the from-scratch PIA reconstruction (today's dollars) is 97% of the statement's age-67 estimate — the closer to 100%, the better the model tracks SSA.

Monthly benefit by claim age (today's dollars, full-career)

Definitions

Full glossary and method (AWI, AIME, PIA, bend points, FRA, wage base, COLA, …) in finance/SSA.md.

PIA — your benefit at full retirement age (67), computed from your top-35 indexed earnings.
AIME — average of your highest 35 years of wage-indexed earnings, per month.
Claim age — when you start benefits (62–70); earlier = permanently reduced, later = delayed credits.
Early-retirement factor — how much stopping work early lowers the benefit (fewer earning years in the top-35).

Statement data as of 2026-06-13.