Social Security Calculator
Kafukufuku wanu mwezi wa Social Security kuchoka ntchito chithandizo kuchokera ndalama zanu ndi kufunsa zaka.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
This Social Security calculator gives a simplified estimate of your U.S. retirement benefit from your average earnings and the age you claim. It converts your average annual earnings into an average indexed monthly amount (AIME), applies the benefit formula — the 90% / 32% / 15% bend-point brackets — to get your primary insurance amount (PIA), then adjusts for claiming age.
Claiming before full retirement age (FRA) permanently reduces the benefit, while delaying past FRA adds delayed-retirement credits up to age 70. For example, someone with 60,000 of average earnings and an FRA of 67 might see a full benefit near their PIA at 67, about 30% less if they claim at 62, and roughly 24% more if they wait to 70 — the schedule lists all three.
Use it to weigh claiming early against waiting, and to get a ballpark of your monthly and yearly benefit. It is an estimate only: the real figure comes from your full 35-year indexed earnings record and current wage-base and bend-point values, which change each year.
Mafunso ofunsidwa nthawi zambiri
Kodi chithandizo chimawerengedwa bwanji?
Mtengo wa ndalama zanu umasinthidwa kukhala mtengo wopitilira muyeso wa mwezi (AIME), kenako formula ya chitetezo imagwiritsa ntchito 90% ku band yachiwiri, 32% ku band yapakati ndi 15% pamwamba kuti mupange ndalama za chitetezo chachiwiri (PIA) - phindu lanu lonse pazaka zonse zochoka pantchito.
Kodi kupempha zaka zowonjezera kumasintha bwanji chithandizo changa?
Kupempha ndalama pazaka 62 kumachepetsa ndalamazo kwa nthawi yaitali ndi pafupifupi 30%, pamene kuyembekezera zaka zoposa 70 kumawonjezera 8% chaka chilichonse. Mzerewu umasonyeza ndalama pazaka 62, zaka zoposa 70 ndi zaka zoposa 70.
Kodi ndi zaka ziti zomaliza ntchito (FRA)?
FRA ndi zaka zomwe mumalandira 100% ya ndalama zanu za inshuwaransi yayikulu, masiku ano 66 mpaka 67 malinga ndi chaka cha kubadwa. Ngati mulandira ndalamazo m’mbuyomu, mwezi uliwonse m’mbuyomu mudzalandira ndalamazo; ngati mulandira ndalamazo pambuyo pake, mudzalandira ndalama zosayembekezereka.
Kodi ndingapeze Social Security pa 62 kapena kungoyembekezera?
Claiming at 62 gives smaller cheques for longer; waiting to 70 gives larger cheques for fewer years. Waiting pays off if you live past your break-even age (often around the late 70s to early 80s) or want a larger inflation-protected income later in life.
Kodi ndalama zanga zimasinthidwa bwanji kukhala ndalama zothandiza?
Maphunziro anu antchito amayamba kukhala pafupifupi ndalama zowerengera mwezi uliwonse (AIME), kenako formula ya chitetezo imalipira 90% ya band yachiwiri, 32% ya band yapakati ndi 15% pamwamba kuti ipange PIA yanu.Machitidwe opitilira amatanthauza kuti ogwira ntchito otsika amapezanso gawo lalikulu la ndalama zawo.
N’chifukwa chiyani izi ndi zowerengera zokha?
Mtengo wa ndalama wa real uses your highest 35 years of inflation-indexed earnings and the exact wage base and bend points for your year, which update annually.This chida amagwiritsa ntchito wanu imodzi mwamasamba-earnings figure ndi fixed brackets, so treat its output as a planning ballpark, not a official figure.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
GET https://calculator.free/api/v1/social-security/curl
curl "https://calculator.free/api/v1/social-security/?income=60000&claim_age=67"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/social-security/?" + new URLSearchParams({
"income": "60000",
"claim_age": "67"
}));
const data = await r.json();
console.log(data.results);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.