Retirement Age Calculator
This retirement age calculator finds your Social Security full retirement age from your date of birth, the date you'll reach it or any other retirement age, and how many days, weeks and workdays are left. It also shows how much of your full Social Security benefit you'd get if you started between 62 and 70. Enter your birth date and press Calculate.
Retirement Age Calculator
Full retirement age by year of birth
| Year of birth | Full retirement age | Benefit at 62 | Benefit at 70 |
|---|---|---|---|
| 1943–1954 | 66 | 75% | 132% |
| 1955 | 66 and 2 months | 74.17% | 130.67% |
| 1956 | 66 and 4 months | 73.33% | 129.33% |
| 1957 | 66 and 6 months | 72.5% | 128% |
| 1958 | 66 and 8 months | 71.67% | 126.67% |
| 1959 | 66 and 10 months | 70.83% | 125.33% |
| 1960 and later | 67 | 70% | 124% |
Born on January 1? Use the previous year. The percentages are of your full benefit (your primary insurance amount), from the Social Security Administration's rules for early and delayed retirement.
How it works
Retirement date = date of birth + retirement age Before full retirement age: benefit = 100% − 5/9% × (first 36 months early) − 5/12% × (any further months early) After full retirement age: benefit = 100% + 2/3% × (months after full retirement age, up to age 70)Example: someone born on June 15, 1965 has a full retirement age of 67, reached on June 15, 2032. Starting Social Security at 62, on June 15, 2027, is 60 months early: 100% − 5/9% × 36 − 5/12% × 24 = 70% of the full benefit. Waiting until 70, on June 15, 2035, adds 36 months of credits: 100% + 2/3% × 36 = 124%.
Example: someone born on March 10, 1958 has a full retirement age of 66 and 8 months. At 62 they'd get 100% − 5/9% × 36 − 5/12% × 20 = 71.67%, and at 70 they'd get 100% + 2/3% × 40 = 126.67%.
The countdown counts calendar days from the "Count from" date (today, unless you change it) up to the retirement date. Workdays are Monday to Friday and don't account for public holidays or your own leave.
Choosing when to retire
- Starting early is permanent: a benefit started at 62 stays reduced for life, apart from cost-of-living increases.
- Waiting pays until 70: after 70 there are no more delayed retirement credits, so there's no benefit to waiting longer.
- Medicare doesn't move with it: it usually starts at 65 whatever your full retirement age is.
- Check your savings timeline with the compound interest calculator, and count days to any other date with the date calculator.
Sources and limits: full retirement ages, early-retirement reductions and delayed retirement credits come from the U.S. Social Security Administration (Retirement age and benefit reduction, Benefit reduction for early retirement, Delayed retirement credits). The calculator covers people born in 1943 or later. It doesn't estimate your benefit in dollars, and it doesn't cover spouse, survivor or disability benefits, which have different rules. Some credits earned before 70 are added the January after you start. This is general information, not financial advice; your own Social Security statement at ssa.gov has your figures.
Frequently asked questions
What is my full retirement age?
It depends on your birth year. It's 66 for people born from 1943 to 1954, rises by 2 months a year for those born from 1955 to 1959, and is 67 for anyone born in 1960 or later. At full retirement age you get 100% of your Social Security benefit.
What if I was born on January 1?
Social Security uses the previous year. Someone born on January 1, 1960 is treated as born in 1959, so their full retirement age is 66 and 10 months instead of 67. This calculator applies that rule. Social Security also treats you as reaching an age the day before your birthday, and if you were born on the 1st of a month it works out your benefit as if your birthday were in the previous month.
How much less do I get if I retire at 62?
Your benefit is cut by 5/9 of 1% for each of the first 36 months before full retirement age, and 5/12 of 1% for each month beyond that. With a full retirement age of 67, starting at 62 is 60 months early, so you get 70% of your full benefit, a 30% cut that lasts for life.
How much more do I get if I wait until 70?
For anyone born in 1943 or later, each month you wait past full retirement age adds 2/3 of 1%, or 8% a year, until age 70. With a full retirement age of 67, waiting until 70 adds 36 months of credits, so you get 124% of your full benefit. Waiting past 70 adds nothing.
Can I retire before 62?
You can stop working at any age, but Social Security retirement benefits can't start before 62, and you must be 62 for the whole month. Enter any age here to count down to it; the benefit figure is shown only for ages 62 to 70.
When can I get Medicare?
Medicare usually starts at 65, regardless of your Social Security full retirement age. Social Security advises applying within 3 months of your 65th birthday even if you delay your retirement benefit, because signing up late can make Medicare Part B and Part D cost more.
See also
- Date Calculator: Days between two dates, or add and subtract days from a date.
- Compound Interest Calculator: Savings growth with monthly deposits and a year-by-year table.
- Percentage Calculator: Percent of a number, percent change, and increase or decrease by a percent.
Last updated: November 10, 2026