Estimate your Social Security Benefits
Getting an estimate of your Social Security is based on two primary things:
- How much you contributed to Social Security over your working career prior to filing to start your Social Security benefits
- At what age you choose to claim your benefits (and, if relevant, what age your spouse chooses to claim their benefits)
Use the calculator below for a quick estimate of your benefits. If you want a more accurate benefit estimate and if you want to maximize the dollars you are paid use Harbor's free planner.
There are a lot of other factors such as your marital situation (married, widowed, divorced), whether you have dependent children or parents, and your claiming strategy with your spouse, that can impact your actual benefit level (and the best strategy for filing for benefits) .
What's your plan?
When you take your benefits is a big decision, but there's no one-size-fits-all answer. Harbor Planner can show you how to optimize Social Security for your particular situation.
Note: This calculator is only an estimate. Actual benefits depend on work history and the complete compensation rules used by Social Security. Consult www.ssa.gov for additional detail.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals at Harbor or elsewhere regarding all personal finance issues.