retirement card · SSA · 2026-10-04
Apply the SSA Early or Delayed Rate
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Example result. Replace the sample figures with your own.
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Example result
70.00% of the full benefit, or $700.00 a month on the amount you entered.
Example loaded. Change a figure to use your own.
Full retirement age for this birth year is 67.
Claiming 60 months early reduces the benefit. The reduction lasts.
- Birth year used: 1960.
- Full retirement age: 67.
- Months from full retirement age: -60.
- Percent of full benefit: 70.00%.
- Monthly amount: $700.00.
What would change this
Birth year, a January 1 birth, or the claim age changes the percentage.
Next step
This is the retirement-benefit percentage only. It is not a spousal benefit, a widow benefit, or a statement from SSA.
Re-check the percentage before you file. An early reduction lasts.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
This link contains the numbers you entered. Anyone with the link can see them.
Show the working
- Sources: SSA normal retirement age table, SSA early-reduction chart, and SSA delayed-retirement credit table, checked 2026-10-04.
- Early reduction is 5/9 of 1% for each of the first 36 months, then 5/12 of 1% for each extra month. That formula matches the SSA age-62 chart.
- Delayed credits for births in 1943 or later are 2/3 of 1% per month, and they stop at age 70.
- SSA's $1,000 chart rounds to the nearest dollar. This tool rounds to the nearest cent.
Data as of 2026-10-04. Source: SSA — Retirement age and benefit reduction.
What this does not cover
- The tool tests three claim ages, not every month.
- SSA rounds its $1,000 chart to the nearest dollar. This tool rounds to the nearest cent.
- Sign up for Medicare at 65 even if you delay retirement benefits. SSA states that separately.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Re-check the percentage before you file. An early reduction lasts.