Investment · Retirement · United States
Full retirement age by birth year.
Enter your birth month and year to see your Social Security full retirement age, the month you reach it, your earliest claiming month and the percentage your benefit changes at each age from 62 to 70.
Full retirement age is 66 if you were born 1943–1954, rises two months a year to 66 and 10 months for 1959, and is 67 for 1960 and later. Claiming at 62 cuts your benefit by 25% to 30%; waiting past full retirement age adds 8% a year until 70.
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Choose your birth month and year.
How full retirement age works
Your full retirement age (FRA) is the age at which you are entitled to your full Social Security retirement benefit. It depends only on the year you were born: 66 for 1943–1954, then 66 plus 2 months for 1955, 4 months for 1956, 6 for 1957, 8 for 1958, 10 for 1959, and 67 for 1960 and later. We show the month you reach FRA by adding that age to your birth month.
Claiming early or late
You can claim as early as 62, but your benefit is permanently reduced by 5/9 of 1% for each month before FRA up to 36 months, and 5/12 of 1% for each month beyond 36. For FRA 67 that is 60 months early, or 20% + 10% = 30%. Waiting past FRA earns a delayed retirement credit of 2/3 of 1% per month (8% a year) for anyone born 1943 or later, and credits stop at 70. The age-62 date in the result is your 62nd birthday month; to receive a benefit for a month you must be 62 throughout that month, which for most people means the month after.
What this tool does not do
It gives ages, dates and percentages only. Your dollar benefit depends on your lifetime earnings record, so use your my Social Security statement for amounts. It does not model spousal or survivor benefits, the earnings test, taxes or Medicare, and it covers birth years 1943–2010. FRA for 1960 and later is current law and could be changed by Congress.
Sources, read 2 October 2026: SSA — Starting Your Retirement Benefits Early (FRA by birth year), SSA — Delayed Retirement Credits (8% per year, 2/3 of 1% per month, stops at 70; January 1 births use the previous year) and 42 U.S.C. 416(l) (definition of retirement age).
Frequently asked questions
What is the full retirement age if I was born in 1962?
67. Everyone born in 1960 or later has a full retirement age of 67, so someone born in June 1962 reaches it in June 2029.
How much is my benefit reduced if I claim at 62?
25% if your FRA is 66 (born 1943–1954), rising to 30% if your FRA is 67 (born 1960 or later). In between it is 25.83% to 29.17%. The tool shows your exact figure.
How much more do I get by waiting until 70?
8% for each year past full retirement age, 2/3 of 1% per month. With an FRA of 67 that is 24% more at 70; with an FRA of 66 it is 32% more. Waiting past 70 adds nothing.
Does it matter that I was born on January 1?
Yes. SSA tells people born on January 1 to use the previous year. Tick the box and the tool does that for you.
Can this tell me my monthly Social Security check?
No. The amount depends on your earnings record. This tool gives the age and the percentage; apply the percentage to the estimate in your my Social Security account.
Estimate only
This tool applies the published SSA age table and adjustment rates to a birth date you provide. It is not financial advice and does not use your earnings record. Confirm your dates and benefit with the Social Security Administration.