Social Security - Full Retirement Age - Calculator
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Full Retirement Age (FRA) Calculator
Enter your year of birth to see your Social Security Full Retirement Age.
- This uses the official SSA FRA schedule (birth year only).
- For exact FRA month & day, SSA uses your full birthdate.
Full Retirement Age (FRA) by Birth Year
| Year of Birth | Full Retirement Age |
|---|---|
| 1943 – 1954 | 66 years |
| 1955 | 66 years + 2 months |
| 1956 | 66 years + 4 months |
| 1957 | 66 years + 6 months |
| 1958 | 66 years + 8 months |
| 1959 | 66 years + 10 months |
| 1960 or later | 67 years |
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Full Retirement Age is measured in months, not just years. Your exact FRA depends on the month of birth; reductions/credits are calculated per month.
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Born on the 1st of a month: SSA treats your birthdate as the previous day, so your FRA is effectively one month earlier.
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“PIA” = Primary Insurance Amount (the base benefit calculated at your FRA before early/late adjustments).
Social Security
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Social Security Tools Suite
Full Retirement Age Calculator – Determines Full Retirement Age for Social Security benefits.
Social Security Benefit Calculator – Projects monthly retirement income based on Primary Insurance Amount.
Spousal Benefit Calculator – Compares potential benefits based on both spouses’ work histories and claiming ages.
Survivor Benefit Calculator – Estimates benefits available to a surviving spouse.
Social Security Break Even Calculator – Compare claiming ages and estimate total lifetime benefits.
Social Security Office Directory – Provides maps, contact details, and weather information for local SSA offices.
Schedule Your Social Security Benefit Review – Schedule your personalized review to better understand your benefits and claiming options.
Frequently Asked Questions
Are these calculators free to use?
Yes, all calculators on the site are completely free to use. You don’t need to sign up or provide any personal information.
How accurate are the results?
The calculators provide estimates only. They are based on the numbers you enter and standard formulas (such as compound interest or amortization schedules). Actual results may vary depending on factors like taxes, fees, or individual financial circumstances.
Can I use these calculators for financial planning?
The calculators are designed to help you explore scenarios and compare options. They are not a substitute for personalized financial advice. For a detailed plan tailored to your goals, we recommend scheduling a consultation.
Do the calculators account for taxes or inflation?
Most calculators do not automatically include taxes or inflation unless specifically stated. You can often adjust the interest rate or contribution assumptions to approximate these factors.
Do these calculators support different compounding periods?
Yes, some calculators allow you to choose how interest is compounded (monthly, quarterly, annually, etc.). This flexibility helps model real-world savings and investment scenarios more accurately.
What if my situation doesn’t fit the calculator exactly?
That’s common! These tools are meant to give you a baseline estimate. If your situation involves unique factors (tax rules, irregular cash flows, multiple accounts), schedule a conversation so we can customize the numbers.
Is my data saved or tracked?
No. All calculations run in your browser. We do not save or transmit your inputs.