Aftura IQ
Step 1 of 6

About how much do you earn in a year?

Use wages or self-employment income that shows up for Social Security.

Use a rough annual number. We cap it at the 2026 Social Security taxable maximum behind the scenes.

Step 2 of 6

How much work history should we count?

SSA uses 35 years. Missing years count as zero in this simplified screen.

Estimated FRA benefit$3,563/mo

We keep this work-history assumption constant when comparing claiming ages later.

Step 3 of 6

When do you want to test claiming?

Your full retirement age is 67.

Step 4 of 6

Include a spouse or partner?

Include another benefit only when you want a household estimate. You can skip this and still get your personal screen.

Step 5 of 6

Any work or tax friction?

These screens estimate possible friction. They do not calculate your tax return.

$3,563/mo
Estimate complete

$42,759 per year

0% versus the estimated full-retirement-age amount.

Age 62$2,494/mo
FRA$3,563/mo
Age 70$4,418/mo
Next stepBring this estimate into RetireIQ.

Use this Social Security estimate to build the fuller retirement-income picture with assets, timing, and planning gaps in view.

Open RetireIQ

Planning friction screen

Earnings test$0
Taxable-benefit estimate$25,022
What this means

Claiming age changes the monthly check. Work earnings, provisional income, Medicare timing, and survivor rules can change the real household conversation.

Why this belongs here

Social Security is usually the first income floor people ask about. Estimating it here lets the site connect claiming age, taxable benefits, work plans, and retirement-income strategy before a meeting.

Model notes
  • Uses 2026 SSA bend points and taxable maximum as a today-dollar educational screen.
  • Estimates a simplified 35-year AIME from covered earnings entered here; it does not access your SSA earnings record.
  • Keeps work-history assumptions constant when comparing Age 62, FRA, and Age 70 claiming.
SSA formulaTaxable maxSSA creditsEarnings testIRS Pub. 915
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Educational estimate only. Uses public SSA and IRS rules available for the 2026 screen.Privacy PolicyTerms and ConditionsContact Us