I-Calculator ye-Social Security
Uhlu lwezinzuzo zesisebenzi seSisekelo Somphakathi ongazithola ngenyanga kusuka emisebenzini yakho kanye nobudala bokuthola.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Uhlu lwezisebenzi
Imali oyithola iguqulwa ibe yimali ephakathi yenyanga ehlobene ne-AIME, bese ifomu lenzuzo lifaka i-90% ku-band yokuqala, i-32% ku-band ephakathi ne-15% phezulu ukuze uthole inani le-inshurensi yokuqala (PIA) — inzuzo yakho ephelele ngesikhathi sokuphuma emisebenzini. Le yindlela elula yokulinganisa.
Ingabe ukucela ubudala kushintsha kanjani insizakalo yami?
Ukucela usizo uma uneminyaka engu-62 ubudala kunomthelela ekunciphiseni okuqhubekayo kwenzuzo ngo-30%, kanti ukulindela ukuphuma konyaka ogcwele kunomthelela ekuhlanganiseni i-8% ngonyaka kuze kube yiminyaka engu-70. Isigaba sibonisa usizo lapho uneminyaka engu-62, ubudala bokuphuma konyaka ogcwele kanye neminyaka engu-70.
Yini ubudala obuphelele bokuphuma emisebenzini (FRA)?
FRA yiminyaka lapho uthola khona i-100% yemali yakho ye-inshurensi yokuqala, okwamanje yiminyaka engu-66 kuya ku-67 ngokuya ngeminyaka yobudala. Ukuthola ngaphambili futhi ngaso sonke isikhathi unyaka odlule uqala ukuhlela insizakalo; ukuthola ngemuva futhi uthola ama-credits aphelile. Setha indawo ye-FRA ukuze ifane nonyaka wobudala wakho ukuze ubone ukulinganiselwa okuncane.
Ngizothola kanjani i-Social Security uma ngineminyaka engu-62 noma ngilinde?
Ukucela kuneminyaka engu-62 kunikeza amachekhi amancane isikhathi eside; ukulinde kuze kube yiminyaka engu-70 kunikeza amachekhi amakhulu iminyaka embalwa. Ukulinde kukhokhela uma uhlala ngaphezu kobudala bakho obungenalutho (okungukuthi, ekupheleni kweminyaka engu-70 kuya ekuqaleni kweminyaka engu-80) noma ufuna imali engenayo ephakeme ekhuselwe yi-inflation ngemuva kokuphila.
Ingabe imali yami etholakele iguqulwa kanjani ibe yinzuzo?
Imali oyitholayo emisebenzini yakho izoba yimali ephakathi ehlobene nenyanga ngayinye (AIME), bese ifomu lenzuzo lidlulisa i-90% yebhande lokuqala, i-32% yebhande eliphakathi ne-15% phezulu ukuze ukhiqize i-PIA yakho. Izinhlamvu eziqhubekayo zisho ukuthi abathola imali ephansi babuyela emuva ngengxenye enkulu yemali yabo.
Kungani lokhu kuyisibalo?
Ubalo olusemthethweni lusebenzisa iminyaka engu-35 ephakeme kakhulu yemali etholakele ehlobene nokwehla kwentengo kanye nesisekelo esifanele semali kanye namaphuzu okugoba ngonyaka wakho, avuselelwa ngonyaka. Lezi zithuluzi zisebenzisa isithombe sakho esifanayo semali etholakele kanye nezinhlamvu eziqinile, ngakho bheka isithombe sezokuphuma njenge-ballpark yokuhlela, hhayi isithombe esisemthethweni.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.