Social Security Benefits Calculator & Formula (2026): How Your PIA Is Computed
The exact 2026 Social Security formula — AIME, PIA bend points, full retirement age, spousal/survivor rules, COLA, and taxation. Run your own number.
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Estimate your future Social Security benefits.
Understanding This Calculator
Social Security is a foundation of retirement income for most Americans. The benefit depends on your earnings history, full retirement age, and the year you begin claiming.
Core Formula
Benefit = AIME × PIA factors adjusted for claiming age
When should I take Social Security?
Delaying beyond full retirement age increases your benefit by roughly 8% per year until age 70. Breakeven analysis depends on your health and longevity expectations.
What is the full retirement age?
For most current workers, full retirement age is 66–67, depending on birth year. Check the Social Security Administration's table for your cohort.
* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.
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Ads are from third parties. CompoundFig does not endorse advertised products and is not responsible for their claims. Our calculators remain independent educational estimates.