I-Calculator yeNkxaso-mali yoLuntu
Ubalo lweenzuzo zeSiseko sezeMpilo yoLuntu eziya kufumaneka xa uphelelwa yimali nobudala obufunayo.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Ixabiso lenzuzo liqikelelwa njani?
Iindleko zakho ziguqulwa zibe yimali ephakathi yenyanga elawulwa yi-index (AIME), emva koko ifomule yenzuzo isebenzisa i-90% kwiqela lokuqala, i-32% kwiqela eliphakathi kunye ne-15% ngaphezulu ukuze ufumane ixabiso le-inshurensi yokuqala (PIA) — inkxaso yakho epheleleyo kubudala obupheleleyo bokuphuma emisebenzini. Le yinkqubo elula yobalo olusemthethweni.
Ubudala obufunayo butshintsha njani inkxaso yam?
Ukucela kwiminyaka engama-62 kunyusa ngokusisigxina inkxaso-mali ngama-30%, ngelixa ukulindela ubudala obupheleleyo bokuphuma emisebenzini kunyusa i-8% ngonyaka ukuya kwiminyaka engama-70. Uluhlu lubonisa inkxaso-mali kwiminyaka engama-62, ubudala bakho obupheleleyo bokuphuma emisebenzini kunye ne-70.
Yintoni ubudala obupheleleyo bokuphuma emsebenzi (FRA)?
I-FRA yiminyaka ofumana ngayo i-100% yemali yakho ye-inshurensi yokuqala, ngoku ineminyaka engama-66 ukuya kwengama-67, kuxhomekeke kunyaka wokuzalwa. Ukufumana ngaphambili kwaye unyaka ngamnye odlulileyo ugqiba inkxaso; ukufumana emva koko ufumana i-credits ezilahlekileyo. Misela i-FRA ukuze ifane nonyaka wakho wokuzalwa ukuze ufumane ubalo olufutshane.
Ngaba kufuneka ndifune iSiseko sezeMpilo xa ndineminyaka engama-62 ubudala okanye ndilinde?
Ukucela kwiminyaka engama-62 kukunika iishekhi ezincinci eziya kuqhubeka ixesha elide; ukulindela ukuya kwiminyaka engama-70 kukunika iishekhi ezikhulu eziya kuqhubeka ixesha elide. Ukulindela kukunika iinzuzo ukuba uhlala udlula kwiminyaka yakho yokuyeka ukuhlawula (okanye uhlala uphakathi kweminyaka engama-70 neminyaka engama-80) okanye ufuna ukufikelela kwingeniso eninzi ekhuselwe yi inflathi emva kwexesha.
Iindleko zam ziguqulwa njani zibe yinzuzo?
Imisebenzi yakho yomsebenzi ivela kwixabiso eliphakathi elibekwe kwi-index (AIME), ngoko ke ifomula yenzuzo ihlawulisa i-90% yeqela lokuqala, i-32% leqela eliphakathi kunye ne-15% engaphezulu ukuze ivelise i-PIA yakho. Ii-brackets eziqhubekayo zithetha ukuba abaqeshi abaphantsi bafumana kwakhona inxalenye enkulu yemisebenzi yabo.
Kutheni le nto le nto imiselwe kuphela?
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 an official figure.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.