🏖️ Retirement Age Calculator (US Social Security)
Enter your birth year to find your official Full Retirement Age (FRA) under the US Social Security schedule — the age at which you're entitled to full, unreduced retirement benefits.
Full Retirement Age by birth year, per the official SSA schedule.
How the Retirement Age Calculator (US Social Security) works
Full Retirement Age is set by birth year under the official SSA schedule: 65 for people born in 1937 or earlier, gradually rising to 67 for anyone born in 1960 or later. Early retirement is available from age 62 at a reduced benefit, with maximum benefit credits accruing up to age 70.
Step-by-step calculation
- 1Enter your birth year.
- 2It is matched to the Social Security full retirement age table.
- 3See your full retirement age, earliest age (62) and latest age for delayed credits (70).
Worked example
Born in 1957: full retirement age is 66 years and 6 months. Born in 1965: 67. Early benefits can start at 62.
Retirement Age Calculator (US Social Security) examples
| Birth year | Full Retirement Age |
|---|---|
| 1950 | 66 years |
| 1955 | 66 years, 2 months |
| 1957 | 66 years, 6 months |
| 1959 | 66 years, 10 months |
| 1965 | 67 years |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a Retirement Age Calculator (US Social Security)?
Plan when to claim US Social Security benefits.
Important factors that can affect your results
- Rules can change by law.
- Claiming early permanently reduces benefits.
- Spousal and survivor rules differ.
Frequently asked questions
Can I retire before my Full Retirement Age?
Yes, starting at age 62 — but your monthly benefit will be permanently reduced compared to waiting until your FRA.
Does waiting past my FRA increase my benefit?
Yes, up to age 70, after which there's no further increase for delaying.
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Last reviewed November 2026 · How we build and check our tools · Report a problem