Retirement age calculator
Retirement age calculator — enter your date of birth to find your full Social Security retirement age, early retirement date (age 62), and maximum benefit date (age 70). The Social Security Administration sets your full retirement age based on your birth year, ranging from 66 to 67 for most workers today. Claiming benefits early permanently reduces your monthly check, while delaying past your full retirement age increases it by 8% per year.
Social Security Full Retirement Age by Birth Year
Your full retirement age depends on your birth year according to the SSA full retirement age chart. Those born in 1960 and later will have a full retirement age of 67. Learn more about early retirement benefit reductions and IRS required minimum distributions.
| Birth Year | Full Retirement Age |
|---|---|
| 1943-1954 | 66 |
| 1955 | 66 years 2 months |
| 1956 | 66 years 4 months |
| 1957 | 66 years 6 months |
| 1958 | 66 years 8 months |
| 1959 | 66 years 10 months |
| 1960 and later | 67 |
Retirement Options Explained
Early Retirement (Age 62): You can start receiving Social Security benefits as early as age 62, but your monthly benefit will be permanently reduced by about 25-30% compared to your full retirement age benefit.
Full Retirement Age: This is the age at which you can claim 100% of your Social Security benefits. The age depends on your birth year (typically 66-67).
Delayed Retirement (Age 70): If you wait until age 70 to claim benefits, your monthly benefit increases by about 8% per year of delay, up to a maximum increase of 124% of your full retirement age benefit.
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Frequently Asked Questions
Full Retirement Age (FRA) is the age at which you become eligible to receive your full Social Security benefit amount. It varies between 66 and 67 depending on your birth year. Born in 1960 or later? Your FRA is 67.
Yes, you can start receiving Social Security benefits at age 62, but your benefit will be permanently reduced. You’ll receive roughly 25-30% less per month than if you waited until your full retirement age.
Waiting until 70 maximizes your monthly benefit (24% more than at FRA), but it only makes financial sense if you expect to live into your mid-80s or beyond. The best choice depends on your health, finances, and longevity expectations.
This calculator shows Social Security retirement ages set by the SSA. Your actual retirement depends on multiple factors including pensions, savings, investments, and other income sources. Consult a financial advisor for personalized retirement planning.