Social Security Calculator

This free calculator provides you and your spouse with estimated real and discounted Social Security retirement benefits and investment gains on those benefits to age 100.

Use the form to input dates of birth and projected starting benefits from your annual Social Security statements. Vary the rate inputs to see the impact of higher inflation and investment returns.

For the individual, compare three retirement options -- retire early at 62, retire at Full Retirement Age or take delayed retirement at 70.

For the married couple, compare nine retirement options for you and your spouse, including the spousal benefit.