RETIREMENT PLANNING · FREE TO USE
Social Security Retirement Age Calculator
Find your full retirement age by date of birth, your earliest benefit month, and how starting earlier or later changes your Social Security benefit.
Rules and examples checked · Based on the SSA sources below
Your date of birth
See your retirement milestones
Enter your details, then select the blue button to see your results.
Or try an example to explore the calculator.
Total benefits over time
Each line shows benefits accumulated by that age. The table below has the same totals at your chosen age.
How to read this estimate
Independent planning tool, not affiliated with SSA. Confirm your personal benefit with Social Security.
What is my Social Security full retirement age?
Your full retirement age, or FRA, is the age for an unreduced benefit on your own work record. It depends on your birth year. It is 67 for people born in 1960 or later, except that a January 1 birthday follows the previous year's rule. Earlier birth years have a full retirement age between 65 and 67. Source: SSA's retirement age calculator.
Enter your complete date of birth above to see your full retirement age, the month you reach it, and the earliest age-based benefit month. No income or Social Security number is needed. The dates assume you also meet the applicable work-credit requirements.
Social Security retirement age chart by birth year
| Birth year | Full retirement age |
|---|---|
| 1937 or earlier | 65 |
| 1938 | 65 years, 2 months |
| 1939 | 65 years, 4 months |
| 1940 | 65 years, 6 months |
| 1941 | 65 years, 8 months |
| 1942 | 65 years, 10 months |
| 1943–1954 | 66 |
| 1955 | 66 years, 2 months |
| 1956 | 66 years, 4 months |
| 1957 | 66 years, 6 months |
| 1958 | 66 years, 8 months |
| 1959 | 66 years, 10 months |
| 1960 or later | 67 |
For a January 1 birthday, use the previous birth year. The calculator applies this automatically. See the retirement age guide and SSA's birth-year rules.
Age 62, Medicare at 65, full retirement age and 70
| Milestone | What it means |
|---|---|
| 62 | The earliest age for your own retirement benefit, subject to the full-month and eligibility rules. Starting early generally reduces the benefit. |
| 65 | Medicare eligibility usually begins around this age. It does not automatically make your Social Security benefit unreduced. |
| Full retirement age | Your birth-year benchmark for 100% of the full retirement benefit. It does not require you to stop working. |
| 70 | Delayed retirement credits stop increasing your own retirement benefit. Waiting longer does not add further delayed credits. |
Review Medicare enrollment timing separately, especially if you plan to delay Social Security. Coverage from current employment can affect which enrollment period applies.
Why your birthday can change the benefit month
January 1 uses the previous birth year
For example, someone born January 1, 1960 follows the 1959 rule: full retirement age is 66 years and 10 months. Someone born January 2, 1960 has a full retirement age of 67. That is why the calculator asks for the day as well as the year. See SSA's 1959 rules.
The first eligible month at 62 may come after your birthday
SSA treats an age as reached the day before the birthday. You generally must be 62 throughout the first benefit month. For someone born June 2, 1964, June 2026 can be the first eligible month; for someone born June 3, 1964, it is July 2026. A June 1 birthday also allows a June start. These examples assume the work-credit requirement is met.
The benefit month is different from the payment month
Retirement benefits are generally paid the following month. A July benefit is normally paid in August. Use the Social Security payment date calculator to look up the deposit schedule after choosing a benefit start month. SSA explains benefit timing.
Questions about your retirement age
What is my full retirement age if I was born in 1959?
It is 66 years and 10 months, except for a January 1 birthday, which follows the 1958 rule. Enter your date above to find the calendar month you reach it.
What if I was born in 1960, 1964 or later?
Full retirement age is 67 for those born in 1960 or later, subject to the January 1 rule. The year you turn 62 does not change that birth-year benchmark. See SSA's rules for 1960 and later.
Is full retirement age the same as my best age to claim?
No. It is a benefit-calculation benchmark. Choosing when to claim also involves your income needs, health, work plans and family circumstances. Use the 62 vs 67 vs 70 comparison to explore monthly amounts and cumulative benefits.
Can I keep working after full retirement age?
Yes. From the month you reach full retirement age, SSA no longer reduces retirement payments because of earnings under the retirement earnings test. Income taxes and other deductions can still apply. See SSA's working-while-receiving-benefits rules.
Does this calculator tell me how much I will receive?
It shows dates and benefit percentages. To estimate dollars, use the Social Security benefits calculator with your earnings or statement estimate. This age tool covers your own retirement benefit; survivor, spouse and disability benefits have additional rules.
Calculation details and official sources
Rules checked October 9, 2026. Retirement ages and benefit percentages follow SSA's birth-year tables, monthly adjustments and age-attainment rules. The dates shown are benefit eligibility months, not payment deposit dates.