Estimate your Social Security benefits

The maximum Social Security benefit is $5,181 per month as of 2026

A worker who has earned at or above the Social Security taxable maximum for at least 35 years and delays claiming until 70 can receive up to $5,181 in monthly benefits. Delaying claiming Social Security until 70 (rather than 62, the earliest age one can receive benefits) results in a higher monthly benefit.

Calculate your Social Security full retirement age

The year you were born determines when you become eligible for your Social Security full retirement age benefit. Spoiler alert, that age is no longer always 65. If you want to use this calculator to determine your full retirement age—and learn more about the drawbacks of claiming Social Security early—click here.

Social Security trust funds are expected to be unable to pay full benefits by 2035

Most US workers have 6.2% of their gross paycheck taken out for Social Security. The government requires employers to match that 6.2% as well, for a total of 12.4%. This video dives into the specifics of how Social Security functions from a financial perspective.

Calculate the financial outlook for your retirement

This simple calculator takes your age, income, planned contributions, and expected retirement needs into account to give you a portrait of how your financial condition will look when it comes time to start withdrawals.

Roughly 70.5 million Americans were enrolled in Social Security benefits as of December 2025.

Social Security supports retirees, the disabled, and survivors

The Social Security Administration is responsible for more than just retirement benefits. Outside of the more well-known use case of retirement benefits, the SSA is also responsible for disability, family, and survivor benefits, supplemental security income, and more.

A rising number of Social Security beneficiaries are taxed on their Social Security income

That’s because while Social Security benefits increase with wages and inflation, the income limits for taxing those benefits stay the same and don’t adjust over time.

Social Security's model assumes more people are paying than receiving, but that's no longer true

As more Baby Boomers start collecting Social Security for more years than the system anticipated—and, simultaneously, birth rates trend down—the Social Security system is feeling the squeeze. When fewer workers pay into Social Security, there's less money overall for retirees to collect. Learn more about what's next for Social Security in this video.

Social Security funding is mandated by law, not budgeted each year by Congress

Unless Congress acts before the Social Security trust fund becomes depleted in 2034, its current revenues would cover 81% of Social Security benefits. However, that share would decline to 72% by 2099.

The 2025 Social Security Trustees Reports reaffirmed that beneficiaries will be paid 100% of total scheduled benefits until 2033

Specifically, it noted that the Old-Age and Survivors Insurance Trust Fund will be able to pay 100 percent of total scheduled benefits until 2033, which was unchanged from the previous year’s report.

Workers need 40 ‘credits’ to qualify for Social Security retirement benefits

Forty credits are equal to about 10 years of full-time work. If someone has never worked, they won’t be eligible for benefits on their own, but they could qualify via a spouse, ex-spouse, or dependent.

Use this annuity income calculator to estimate how much money someone can expect in their annuity payouts, depending on factors such as how much they invest and how long they expect to be paid.

The Social Security Administration (SSA) accounted for 22.4% of all federal spending in 2024

The SSA is an independent executive branch agency that is primarily responsible for administering Social Security benefits. In fiscal year 2024, The SSA, ranking second among federal agencies in terms of total spending, behind only the Department of Health and Human Services.

Before Social Security, elderly Americans relied on family support, limited state pensions, or company-sponsored pensions

Before Social Security benefits were available to American retirees, they had to find other ways to get by. Pensions were only available to roughly 15% of workers, and most elderly Americans went without meaningful economic security.

Social Security is one of the most popular government programs

In a recent Pew Research Center survey of US adults, 79% said Social Security benefits shouldn’t be reduced in any way. This view is broadly shared across ages, races, political affiliations, and income brackets.

Roughly 22% of US tax dollars go to Social Security

Social security is the US government’s largest expense. You can see other government expenses in a visual breakdown of what one US tax dollar actually pays for. Total spending amounts were converted to cents on the dollar and percentages.

3 types of people who should claim Social Security at 62

Popular wisdom suggests people should wait as long as possible to claim their Social Security benefits. This article argues there are three types of people who would benefit from claiming sooner rather than later—such as people with short life expectancies. To see the other two groups of people who might want to claim as soon as possible, read the article here.

Consumers reported losing more than $126M to Social Security scams in 2023

This article includes tips on how to spot a Social Security scam, including information about what the real Social Security Administration will and will not do. For instance, the Social Security Administration will never threaten someone with benefits suspension or bank account seizure if they do not comply with a request.

Social Security beneficiaries have received cost-of-living adjustments almost every year since 1975

Until 1975, Congress had to act each time Social Security benefits were increased. The 1970s saw particularly high inflation rates that eroded the purchasing power benefits, leading to the change.

Use this calculator to find out the programs and services your federal income taxes fund.

.

The Depression-era Social Security program assigned every US citizen an account number

Many of the Social Security functions we know today are the result of multiple amendments to the Social Security Act that have been passed in the years since the act’s initial creation in 1935. As Social Security as we know it today was being conceptualized, Democrats opted to make it an insurance program rather than a welfare one to assuage Republicans.

Social Security’s financial operations are handled through two federal trust funds

One is called the Old-Age and Survivors Insurance trust fund, and the other is called the Disability Insurance trust fund. Combined, these two trust funds were valued at roughly $2.7T as of the end of 2024.

Social Security’s financial operations are handled through two federal trust funds

One is called the Old-Age and Survivors Insurance trust fund, and the other is called the Disability Insurance trust fund. Combined, these two trust funds were valued at roughly $2.7T as of the end of 2024.

Use this federal student loan calculator to estimate your monthly student loan payments and see which repayment option is right for you.

The US government is legally allowed to borrow money from the Social Security Trust Fund surpluses as long as it issues Treasury bonds to the Trust Fund in return and repays those bonds with interest when Social Security needs the money to pay benefits.

The 1935 Social Security Act drew inspiration from European social insurance models

Many of these, such as German Chancellor Otto von Bismarck's 1889 retirement system, emerged decades before America adopted them. This article dives into the modern history of economic security and the key legislation that created Social Security.

Calculate your capital gains tax bill

If mental math is not your forte, a handy tool can help you figure out what you owe at tax time. Find the purchase and sales price of an asset, your taxable income, your tax filing status, and the length of time you held said asset, and you'll get your total for Uncle Sam.

See a poster that was created to help publicize the Social Security Act.

Does Social Security contribute to the national debt?

Social Security operates through a trust fund built from payroll taxes. When costs outpace revenue, as they have since 2021, the program redeems Treasury bonds to cover the gap. To repay these bonds, the government often borrows more money, indirectly adding to the national debt and impacting fiscal policy.

The Social Security Act was formed to protect retired workers amid the Great Depression

President Franklin Delano Roosevelt’s New Deal created new government agencies and programs in the wake of the Great Depression, including the Social Security Act.

Some politicians have argued that Social Security should be privatized

Specifically, some assert that diverting funds into self-directed retirement accounts should replace Social Security taxes and benefits to some extent in a privatized retirement savings system. This article details the pros and cons of privatizing Social Security.

A wedding cost calculator

Want to know how much your wedding will cost? Simply enter your wedding date, location, and a few more details about your wedding plans, and this tool will spit out an estimate for how much it will all cost—with details on how each estimate was figured, from a wedding dress or tux to ordering the cake. If you're planning a wedding soon (or just dreaming about planning one), explore this wedding cost generator.

New Yorker John D. Sweeney Jr. was the first to receive a Social Security number

However, Sweeney died in 1974 having never received any benefits. Social Security numbers were first created to help track workers' earnings so Social Security benefits could be correctly administered.

Unemployment benefits are calculated as a percentage of a worker's average weekly wages over a recent base period.

Use a CD rate calculator

This CD Rate Calculator allows you to determine your interest earnings and total savings balance at CD maturity. Enter your initial deposit, your interest rate, and your term length in months or years. Click here to use it.

An interactive look at your own life through demographics

This interactive site allows you to understand the journey of your life in numbers and dates. World Data Lab asks users to enter their date of birth, country of birth, and sex at birth. The site then provides an interactive page tailored to your...

Calculate your estimated yearly dose of ionizing radiation

This calculator from the EPA provides a value in millirems—the US unit for effective dose—based on a variety of exposure parameters, including the state a user lives in and travel-related sources of ionizing radiation, such as passing through screening machines.

The average American contributed nearly $6,000 to a 401(k) retirement account in 2023.

Average retirement savings by state

Connecticut residents have the highest average retirement savings per person at $634K, according to data from the retirement plan provider Empower. On average across all states, Americans have saved $498K for retirement. This graphic shows the top ten states with the highest average retirement savings per person. See who came in second to Connecticut here.

Visualize America's retirement savings by age, with the median retirement savings for Americans being $87K as of May 2024.

The average retirement age by country, visualized

In the US, the average retirement age was 64 as of 2020. The Organization for Economic Co-operation and Development projects a two-year increase in the average retirement age by the mid-2060s.

A FIRE number is the amount of money someone needs in retirement

To calculate one’s FIRE number, FIRE followers typically multiply their expected annual expenses in retirement by 25.

This site sums up your entire life in statistics

If you’re able to read this statement, a lot has happened since you were born…and these statistics summarize what you have lived through! Input your birthday to find out about how many times your heart has beaten, how many breaths you’ve...

Calculate the salary of a mother's work

While traditional parenting roles are changing, mothers do a ton of work at home, from cleaning and cooking to managing household finances. This quick calculator estimates the salary a mother (or caregiver) should receive based on number of...

Calculate your chance of success for IVF treatments

The efficacy of in vitro fertilization procedures varies widely based on age, health history, genetics, and more. This CDC calculator provides an estimate of success rates based on your personal information, relying on thousands of reported outcomes across the US.

The Social Security System was created to protect Americans from economic disasters like the Great Depression

President Franklin Delano Roosevelt’s New Deal created new government agencies and programs in the wake of the Great Depression.

Calculate the value of a paper savings bond

An IRS tax refund is the only way to buy a paper savings bond, but if you have an old paper savings bond you can determine its current value with this calculator. The calculator only works for paper savings bonds of Series EE, Series I, Series E, and savings notes.

Extending the worldwide lifespan by one healthy year is worth $38T

This econometric study attempts to estimate the economic value of increasing the global healthy lifespan by one year—and to answer the question of whether it is better to extend lifespans or slow the rate of healthy aging.

Explore this interactive tool from the National Cancer Institute to calculate your risk of dying from various causes, including cancer.

Most popular baby names in the US by year

The Social Security is one of the most authoritative sources for data on baby names each year. Here's the list of last year's top ten baby names among those children born in the US.