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To find out how much your benefit will be reduced if you begin receiving benefits from age 62 up to your full retirement age, use the chart below and select your year of birth. This example is based on an estimated monthly benefit of $1000 at full retirement age.
The normal retirement age (NRA) is the age at which retirement benefits (before rounding) are equal to the "primary insurance amount." The table below shows how NRA varies by year of birth for retirees.
Use the Social Security full retirement age calculator to find out when you are eligible for unreduced retirement benefits based on your birth year.
The full retirement age to receive full Social Security benefits will vary by birth year, ranging from 65 to 67. Claiming Social Security before your full retirement age reduces your...
With your my Social Security account, you can plan for your future by getting your personalized retirement benefit estimates at age 62, Full Retirement Age (FRA), and age 70. You can also view retirement benefit estimates by: Entering the average annual income you expect to earn until retirement.
The full retirement age increases gradually if you were born from 1955 to 1960, until it reaches 67. For anyone born 1960 or later, full retirement benefits are payable at age 67. You can find your full retirement age by birth year in the full retirement age chart.
The first step in understanding where Social Security will fit into your retirement plan is to identify your full retirement age. From there, you can use the full retirement age chart to calculate how your benefits would change if you begin taking benefits early or if you delay claiming.