Estimate your Social Security retirement benefits. Compare claiming at 62, 67, or 70. See how earnings history affects your monthly benefit with lifetime payout analysis. Updated with 2026 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $12,150 | $0 – $24,300 |
| 12% | $12,151 – $49,475 | $24,301 – $98,950 |
| 22% | $49,476 – $105,525 | $98,951 – $211,050 |
| 24% | $105,526 – $201,350 | $211,051 – $402,700 |
| 32% | $201,351 – $255,925 | $402,701 – $511,850 |
| 35% | $255,926 – $640,500 | $511,851 – $768,600 |
| 37% | Over $640,500 | Over $768,600 |
This social security calculator uses the latest 2026 federal tax brackets, standard deduction of $15,350 (single) / $30,700 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2026 is $183,300, and the 401(k) contribution limit is $24,000.
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Early (Age 62)
$1,676.64
per month
Full Retirement (Age 67)
$2,395.20
per month
Delayed (Age 70)
$2,970.05
per month
When does delaying benefits become more profitable than claiming early?
Delaying to 67 surpasses claiming at 62
Delaying to 70 surpasses claiming at 62
Delaying to 70 surpasses claiming at 67
Estimates are based on simplified calculations using 2024 bend points and formulas. Actual benefits depend on your full earnings history. Visit ssa.gov for official estimates.