Social Security Calculator
Kufungidzira yako yemwedzi Social Security kurovedza muviri benepisyo kubva mari yako uye kukumbira makore.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Maitiro ekufungidzira mhedzisiro?
Zvinhu zvaunenge uchiwana zvinoshandurwa kuita mari yemwedzi yakaenzana neyakaenzana (AIME), uyezve, mutemo wezvikwereti unopa 90% yechikwereti chekutanga, 32% chechikwereti chepakati, uye 15% pamusoro pechikwereti chekutanga kuti uwane mari yechikwereti chekutanga (PIA) — mari yechikwereti chako chakazara pauchazowana makore ose ekuberekwa.
Kukumbira makore ekurapwa kunochinja sei hupenyu hwangu?
Claiming at 62 permanently cuts the benefit by about 30%, while waiting past full retirement age adds 8% a year up to age 70. The schedule shows the benefit at 62, your full retirement age and 70.
Chii chinonzi makore ekutambanudza basa (FRA)?
FRA inguva yawakawana 100% yemari yako yekutanga yechikwereti, pari zvino iri 66 kusvika 67 zvichienderana negore rawakazvarwa. Kana ukakumbira mari yacho pakutanga, kubhadhara kwako kunowedzera pamwedzi. Kana ukakumbira mari pashure pemakore mashanu, unowana mari yakati wandei. Sevha FRA kuti ifanane negore rawakazvarwa kuti uwane huwandu hwakanaka.
Ndinofanira kukumbira Social Security pa62 kana kuti ndinofanira kumirira?
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.
Makore angu ebasa anoshandurwa sei kuva mari yekudyara?
Kuwana kwako kwebasa kunoonekwa semutengo wemwedzi wakaenzana neanenge (AIME), uyezve, muyero wezvikwereti zvemubhadharo unotora 90% yekutanga band, 32% yepakati band uye 15% pamusoro pekuburitsa yako PIA. Kuenderera mberi kwezvikwereti zvinoreva kuti vashoma vanowana mari vanowana mari yakawanda.
Nei izvi zvisiri kufungidzirwa?
The real calculation uses your highest 35 years of inflation-indexed earnings and the exact wage base and bend points for your year, which update annually.This tool uses your single average-earnings figure and fixed brackets, so treat its output as a planning ballpark, not a official figure.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.