Retirement Age Calculator
Enter your birth year to find your US Social Security full retirement age, plus the early and delayed options.
This runs entirely in your browser. Your birth year is never uploaded anywhere.
How to use this tool
Type the four-digit year you were born into the box and select "Find my retirement age". The calculator reads your birth year against the official Social Security Administration (SSA) schedule and shows your full retirement age, the earliest age you can claim a reduced benefit, and the latest age that earns delayed retirement credits. You can copy the full result to share it or save it for your records.
How it works: the full retirement benefit by birth year
Born 1938 to 1942 ............... 65 years + 2 months per year after 1937
Born 1943 to 1954 ............... 66 years 0 months
Born 1955 to 1959 ............... 66 years + 2 months per year after 1954
Born 1960 or later .............. 67 years 0 months
Full retirement age (often shortened to FRA) is the age at which you can claim 100 percent of your Social Security benefit. Congress raised it gradually from 65 to 67 based on the year you were born, which is why people born after 1959 reach full retirement at 67 while those born before 1955 reach it at 66. You can always start as early as age 62, but claiming early permanently lowers your monthly check. Waiting past full retirement age adds delayed retirement credits until you turn 70, after which there is no further increase.
A real example
Say you were born in 1965. That falls in the "1960 or later" band, so your full retirement age is 67 years and 0 months. You could still file at the earliest age of 62, but your benefit would be cut by roughly 30 percent for the rest of your life. If instead you wait until age 70, you would earn delayed retirement credits worth about 8 percent per year past full retirement age, raising your monthly benefit by around 24 percent compared with claiming at 67.
Common questions
What is the Social Security full retirement age?
It is the age at which you qualify for your unreduced, 100 percent Social Security benefit. It ranges from 66 to 67 depending on your birth year, with anyone born in 1960 or later reaching full retirement age at 67.
When can I retire and claim Social Security in the US?
You can start claiming retirement benefits as early as age 62, but the monthly amount is permanently reduced. Claiming at your full retirement age gives the standard benefit, and waiting up to age 70 increases it further.
How much is the early retirement reduction at 62?
Filing at 62 reduces your benefit by about 25 to 30 percent depending on your birth year. The closer your full retirement age is to 67, the larger the reduction for claiming at 62.
Why should I wait until age 70?
Each year you delay past your full retirement age, up to 70, adds delayed retirement credits of roughly 8 percent per year. There is no benefit to waiting beyond 70, so 70 is the latest age that increases your monthly check.
Is this retirement schedule age estimate exact?
The full retirement age it shows follows the published SSA table and is accurate for the standard schedule. It is an educational estimate, not personalized financial or legal advice. For your exact benefit amount and any special situations, check your statement at ssa.gov or speak with a qualified advisor.