Full Retirement Age Calculator
Look up your full retirement age by birth year, plus the percentage of your benefit you get at 62 and at 70.
Runs 100% in your browser — your benefit numbers never leave this pageTry: Birth year=1960+ → 67 yrs, 70%, 124%
How to use
Select your birth-year group and press Calculate to see your full retirement age (FRA) and the benefit percentages for claiming at 62 and 70. Your FRA determines both early-claim reductions and delayed credits.
Reference: full retirement age chart by birth year and what FRA means.
FAQ
What is full retirement age?
The age at which you receive 100% of your Primary Insurance Amount. For people born 1943-1954 it is 66; it rises 2 months per year for 1955-1959; for 1960 or later it is 67.
What happens if I claim at 62?
Your benefit is permanently reduced — about 25% if your FRA is 66, or 30% if your FRA is 67.
What happens if I wait until 70?
You earn delayed credits of 8% per year past FRA, up to 70 — about 24% more if your FRA is 67, or 32% more if your FRA is 66.
Does my birth month matter?
The chart is grouped by birth year; precise months are published at ssa.gov. This tool shows the standard year-based values.