Social Security Full Retirement Age Calculator
Enter your birth year to find FRA, then compare the permanent early-claim reduction at age 62 with delayed retirement credits through age 70.
Claim at age 62
$1,400Claim at FRA (67)
$2,000Claim at age 70
$2,480This is a planning estimate. Claiming by month, deemed-filing rules, family maximums, government pensions, disability, remarriage, and SSA record details can change the payment.
Full retirement age chart
| Birth year | Full retirement age |
|---|---|
| 1943–1954 | 66 |
| 1955 | 66 and 2 months |
| 1956 | 66 and 4 months |
| 1957 | 66 and 6 months |
| 1958 | 66 and 8 months |
| 1959 | 66 and 10 months |
| 1960 or later | 67 |
FRA controls the retirement-benefit reduction, delayed credits, and when the earnings test stops. Medicare eligibility generally remains age 65 and is a separate rule.
Full retirement age questions
What is full retirement age for someone born in 1960 or later?
Full retirement age is 67 for people born in 1960 or later.
What happens if I claim Social Security at 62?
Claiming before FRA permanently reduces the monthly retirement benefit. For someone with FRA 67, claiming at 62 generally pays 70% of the full benefit.
How much does Social Security increase after FRA?
For people born in 1943 or later, delayed retirement credits generally add 8% per year until age 70. Credits stop at age 70.