Full Retirement Age Chart by Birth Year
The full retirement age for every birth-year group from 1943 onward — 66 for 1943-1954, rising 2 months per year to 67 for 1960+.
The full retirement age for every birth-year group from 1943 onward — 66 for 1943-1954, rising 2 months per year to 67 for 1960+.
Your full retirement age (FRA) is set by the year you were born. It is the age at which you receive 100% of your Primary Insurance Amount:
| Birth year | Full retirement age |
|---|---|
| 1943-1954 | 66 |
| 1955 | 66 yrs 2 mo |
| 1956 | 66 yrs 4 mo |
| 1957 | 66 yrs 6 mo |
| 1958 | 66 yrs 8 mo |
| 1959 | 66 yrs 10 mo |
| 1960+ | 67 |
Claiming before FRA permanently reduces your benefit (see the early reduction calculator); waiting past FRA adds 8% per year up to 70 (delayed credits calculator). For a dollar-level view, run the break-even calculator.
Frequently Asked Questions
What is the FRA for someone born in 1960?
67. The FRA for anyone born 1960 or later is 67.
Why does FRA vary by birth year?
Congress phased in the increase from 66 to 67 over the 1955-1960 birth years, adding 2 months per year.
Does FRA affect spousal or survivor benefits?
Yes — spousal benefits reach 50% at your FRA, and survivor benefits reach 100% at the survivor's FRA (which is 67 for most).