Your Situation & Goal
Tell us where you are today and what monthly Social Security benefit you're aiming for. Your Full Retirement Age fills in automatically from your age.
Determined automatically from your birth year.
Your current salary or self-employment income.
Total years you've paid into Social Security.
Rough average of what you earned in prior years (today's dollars).
The monthly SS income you want in retirement.
Your Personalized Roadmap
The Projected Benefit updates live as you move the sliders. All three levers add up exactly to the Combined total.
Baseline Benefit
$0
no changes applied
→
Projected Benefit
$0
with levers applied
$0 to go
→
Your Target
$0
per month at FRA
Baseline
Your target
Your Levers
Adjust the sliders — your Projected Benefit updates instantly above.
Annual Earnings Growth Rate
High Impact
Models compounding annual raises. At 3%, a $70,000 salary becomes $72,100 next year, $74,263 the year after — each year building on the last, just like a real career.
Additional monthly benefit vs. baseline
+$0/mo
Work Additional Years Past FRA (up to Age 70)
High Impact
SSA stops crediting additional benefits at age 70 — working past 70 does not increase your Social Security benefit. This slider shows the impact of working past your FRA up to the age-70 maximum.
Additional monthly benefit vs. baseline
+$0/mo
Fill In Zero-Earning Years
Medium Impact
Zero-income years (school, career gaps, caregiving) drag down your 35-year average. Even part-time work during those years improves your benefit.
Calculating...
+$0/mo
All Three Combined
Maximum Impact
Simple sum of the three levers above — exactly matches the Projected Benefit box.
Total additional monthly benefit (Lever 1 + Lever 2 + Lever 3)
+$0/mo
🌟 Your Action Plan
Today's dollars: All benefit estimates are shown in today's purchasing power. Your actual benefit will be higher in nominal terms due to annual Social Security cost-of-living adjustments (COLA) — but the real value will be similar to what's shown here.
How this works: Estimates use the SSA's AIME/PIA bend point formula with 2024 bend points ($1,174 and $7,078). Results are projections, not guarantees. Your official benefit depends on your actual earnings record. Log in at SSA.gov to see your current statement.
How this works: Estimates use the SSA's AIME/PIA bend point formula with 2024 bend points ($1,174 and $7,078). Results are projections, not guarantees. Your official benefit depends on your actual earnings record. Log in at SSA.gov to see your current statement.
This tool provides general educational estimates. It is not a guarantee of benefits. Actual benefits depend on your complete earnings history and SSA rules in effect at retirement. Always verify at SSA.gov.