Social Security calculator

Estimate the 2026 primary insurance amount from average indexed monthly earnings, before claiming-age adjustments.

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Average indexed monthly earnings from your record (USD)

Year you first become eligible

Answer

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Estimate the 2026 primary insurance amount from average indexed monthly earnings, before claiming-age adjustments.

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Formula and assumptions

For workers who first become eligible in 2026. Enter average indexed monthly earnings (AIME), not monthly pay or annual salary. AIME depends on your indexed earnings history. This estimates the primary insurance amount at full retirement age, rounded down to a dime. It excludes early or delayed claiming, future cost-of-living increases, family benefits, tax and Medicare deductions. Use your Social Security statement for a personal benefit estimate. Another eligibility year needs that year's formula.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-10-03

Using Social Security calculator

Estimate the 2026 primary insurance amount from average indexed monthly earnings, before claiming-age adjustments.

Next: Retirement calculator

Next: Annual income calculator

A worked example

For average indexed monthly earnings from your record (usd) = 5000, year you first become eligible = 2026, 2026 primary insurance amount (usd per month) = 2345.8.

Before you use the result

Example results for average indexed monthly earnings from your record (usd)

These examples use Year you first become eligible: 2026. They are reference calculations, not recommended settings.

Average indexed monthly earnings from your record (USD)	2026 primary insurance amount (USD per month)
2500	1545.8
5000	2345.8
10000	3563.2

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ToolOctopus. “Social Security calculator.” Updated 2026-10-03. https://tooloctopus.com/social-security-calculator.

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