Àwọn Ìṣàmúlò-ètò Àìṣàmúlò-ètò

Ṣàfikún ìgbàdálẹ̀ ìṣẹ̀dá ìmọ̀ràn ìmọ̀ràn rẹ̀ nínú àwọn owó rẹ̀ àti ìgbà tí o tí n gba.

Àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò —

Àwọn ìṣàmúlò-ètò —

Ìdáràn nínú FRA —

Àwọn ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ni a ṣe le ṣe ayẹwo iṣẹ́?

Oju-iwe ti o wa ni ti a ti yio si a average indexed monthly amount (AIME), ki o si awọn anfani formula applies 90% si akọkọ band, 32% si aarin band ati 15% lori lati gba awọn akọkọ insurance iye (PIA) — rẹ kikun anfani ni kikun pensioning age. This is a simplified version of the official calculation.

Igba wo ni a le yipada si iṣẹ́ mì?

Ti o ba n beere ni 62 o le yọ owo-ori kuro ni gbogbo igba nipa 30%, nigba ti o ba n gbiyanju lati lọ si ọjọ-ori ti o ti n lọ pada si iṣẹ ni gbogbo igba o le fi 8% kun ni gbogbo ọdun titi di ọjọ-ori 70. Iṣẹ-iṣe naa fihan owo-ori ni 62, ọjọ-ori ti o ti n lọ pada si iṣẹ ni gbogbo igba ati 70.

Kini ọjọ́ iparí iṣẹ́ (FRA)?

FRA ní ojú-ìgbà tí o tí gba 100% tí iye ìdáràn rẹ̀, nígbà yìí 66 sí 67 nípa ìgbàdé. Tí o bá fi àwọn ìṣàmúlò-ètò rẹ̀ pamọ́ lórí oṣù kan, o lè fi àwọn ìṣàmúlò-ètò rẹ̀ pamọ́ lórí oṣù kan.

Njẹ Mo yẹ ki n gba ijẹrisi aabo awujọ ni ọdun 62 tabi mo yẹ ki n duro de?

Ìgbà tí a bá gbà ní 62 gbá awọń ẹ̀yàn tí o kù jù lọ fun igba pipẹ; tí a bá wá ní 70 gbá ẹ̀yàn tí o kù jù lọ fun igba diẹ. Ìgbà tí a bá gbà nígbà tí o bá jẹ́ pé o tì kù lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ (nígbà kan ní ayika 70s tí a tí fi kù nípa 80s) tabi tí o bá fẹ́ owó tí a tí fi dáwọ́ pamọ́ lórí inflationary-protection tí o bá jẹ́ kékeré jú nínú igbesi aye.

Bawo ni a ṣe le fi owo mi pamọ́?

Your career earnings become a average indexed monthly amount (AIME), then the benefit formula credits 90% of the first band, 32% of the middle band and 15% above to produce your PIA. The progressive brackets mean lower earners get back a larger share of their earnings.

Kini idi ti eyi fi jẹ́ ayẹwo?

Ìṣàmúlò-ètò òótọ́ náà lò nínú àwọn oṣù 35 tí o gàjú jú tí o tí n gba owó nínú àwọn à

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`