Social Security Full Retirement Age Calculator

Your full retirement age (FRA) depends on the year you were born. It is 66 for people born from 1943 to 1954, then rises by 2 months for each birth year from 1955 to 1959, reaching 66 years and 10 months for 1959. Anyone born in 1960 or later has an FRA of 67, while people born in 1937 or earlier had an FRA of 65.

It reads the birth year from your date of birth to set your full retirement age, then adds that many years and months to your birth date. It returns the exact calendar date you reach full retirement age, along with the date you turn 62 (the earliest you can claim) and the date you turn 70 (when delayed credits stop). If your birthday falls on a day that does not exist in the target month, the date rolls back to that month's last day.

Social Security uses an old common-law rule that you reach an age on the day before your birthday. Because of this, if you were born on January 1, the SSA figures your full retirement age as if you were born in the previous year. This calculator applies that rule automatically, so a January 1, 1960 birth date uses the 1959 full retirement age of 66 years and 10 months instead of 67.

Yes. You can start retirement benefits as early as age 62, but claiming before your full retirement age permanently lowers your monthly payment. The reduction is roughly 25 to 30 percent at age 62, depending on how far age 62 sits before your full retirement age. The calculator shows your exact age 62 date so you can see the earliest you could file.

If you delay benefits past your full retirement age, you earn delayed retirement credits worth about 8 percent per year, or two-thirds of one percent per month. These credits stop accruing once you reach age 70, so there is no added benefit to waiting beyond that point. The calculator shows your age 70 date as the latest age worth delaying to.

No. This tool estimates your full retirement age and related dates from the Social Security Administration's published birth-year rules. It is for education and planning only and is not financial, tax, or legal advice. Confirm your full retirement age and benefit amounts with the SSA at ssa.gov before making any claiming decision.