Retirement age calculator
Enter your birth date and the age you plan to start benefits. It applies SSA's rules: full retirement age by birth year, the reduction for starting early and delayed retirement credits up to age 70.
The dollar amount depends on your earnings record: check it in your my Social Security account.
When to apply
You can apply up to four months before you want benefits to start. Benefits can begin at 62 with a permanent reduction; full retirement age is 67 for people born in 1960 or later, and waiting until 70 increases the monthly amount.
How to apply
- Online at ssa.gov: about 15 to 30 minutes for most people.
- By phone at 1-800-772-1213.
- In person at the Springfield office, by appointment.
Have ready
- Birth certificate or other proof of age.
- Last year's W-2s or self-employment tax returns.
- Marriage or divorce information if applying on a spouse's record.
- Bank details for direct deposit.
Estimate your benefit
Your my Social Security account shows your earnings record and personalized estimates at different starting ages. Check that every year of earnings is there.
Frequently asked questions
What is the earliest age for retirement benefits?
62, with a permanent reduction.
Do I need to go to the office?
No. Most people apply online.
Last reviewed: October 5, 2026. Office address, phone and hours come from the Social Security Administration field office list. Rules and services can change: confirm on ssa.gov before you go.