Full retirement age calculator
Find the month you reach full retirement age, and how much starting earlier or later changes your monthly benefit for life.
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Full retirement age by year of birth
| Year of birth | Full retirement age | Share of benefit if you start at 62 |
|---|---|---|
| 1943–1954 | 66 | 75% |
| 1955 | 66 and 2 months | 74.17% |
| 1956 | 66 and 4 months | 73.33% |
| 1957 | 66 and 6 months | 72.5% |
| 1958 | 66 and 8 months | 71.67% |
| 1959 | 66 and 10 months | 70.83% |
| 1960 and later | 67 | 70% |
- If you were born on January 1, use the year before.
- Starting early cuts your benefit by 5/9 of 1% a month for the first 36 months and 5/12 of 1% for each month after that.
- Waiting past full retirement age adds 2/3 of 1% a month (8% a year) until 70. There is no gain from waiting past 70.
- Spouse benefits are cut more if started early: at 62 a spouse with full retirement age 67 gets 32.5% of the worker’s full benefit instead of 50%. Spouse benefits do not grow after full retirement age.
- Survivor benefits use a different full retirement age and reduction.