Social Security Benefits Estimator
Enter income by career phase. See SS credits earned, AIME, PIA, monthly benefit at 62/67/70, break-even ages, and what more working years add to your benefit.
Built for freelancers and self-employed workers. You pay both halves of FICA — 15.3% on net income — but every dollar counts toward your SS credits and AIME. This estimator helps you understand what you're building toward, and whether more working years materially change the outcome.
About You
Career Phase 1 (Early Career)
W-2 gross or net SE income
Career Phase 2
Career Phase 3 (Recent)
Impact of More Years (vs Stopping Now)
Eligible for retirement benefits
100% toward 40-credit requirement
Your AIME
$5,167/mo
Avg indexed monthly earnings
PIA (benefit at 67)
$2,334/mo
$28,011/yr
Age 62
$1,634/mo
$19,608/yr
~30% less than FRA
Age 67
$2,334/mo
$28,011/yr
Full retirement age
Age 70
$2,894/mo
$34,734/yr
+24% vs FRA
Break-even: 62 vs 67
Age 79
If you live past this, waiting pays more
Break-even: 67 vs 70
Age 83
If you live past this, delaying pays more
Working 5 More Years
New AIME
$5,764/mo
New FRA benefit
$2,526/mo
Monthly increase
+$191/mo
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