Skip to main content

U.S. Department of Social Security Benefits Calculators

  • Published: 2011-12-11 (Revised/Updated 2016-11-18) : Author: Disabled World : Contact: Disabled World
  • Synopsis: Find out your Social Security benefit entitlements using these calculators including information on how to apply online for benefit payments.

Quote: "Bear in mind that once you retire not only will your income decrease but so will some of your expenses."

Main Document

The U.S. department of Social Security benefit provides a number of online calculators designed to calculate your benefit payments.

In the United States, Social Security refers to the federal Old-Age, Survivors, and Disability Insurance (OASDI) program. The original Social Security Act (1935) and the current version of the Act, as amended encompass several social welfare and social insurance programs. The largest component of OASDI is the payment of retirement benefits. Throughout a worker's career, the Social Security Administration keeps track of his or her earnings. The amount of the monthly benefit to which the worker is entitled depends upon that earnings record and upon the age at which the retiree chooses to begin receiving benefits. For the entire history of Social Security, benefits have been paid almost entirely by using revenue from payroll taxes. This is why Social Security is referred to as a pay-as-you-go system. Around 2017, payroll tax revenue is projected to be insufficient to cover Social Security benefits and the system will begin to withdraw money from the Social Security Trust Fund.

Your Social Security benefit rates can be affected by a number of different factors. If you already have a benefit estimate, you can use the charts and calculators listed to find out how different retirement dates and situations will affect your benefits.

Your Social Security benefits are the foundation on which you can build a secure retirement. Savings and pensions also are key components of your retirement plan. Most financial advisers say you'll need about 70 - 75 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. They recommend that you prepare for the future with a combination of Social Security, private pensions and personal savings.

Bear in mind that once you retire not only will your income decrease but so will some of your expenses. Your children will not be living at home anymore, your mortgage will be paid off, you won't have work related expenses, and so on. As a general rule it is assumed that you will need about 75% of your current income at retirement for a comfortable lifestyle.

Note: The current life expectancy for Americans is about 75 years for men and 80 years for women.

Benefit Calculators:

1. Disability Planner

The Social Security disability planner will explain benefits available, how you can qualify, and who can receive benefits on your earnings record. It will also explain how to apply for the benefits and what happens when your application is approved.

2. Social Security Benefit Calculator

This calculator allows you to estimate your Social Security benefit. However, for the most accurate estimates, use either the:

a) Detailed Calculator - The Detailed Calculator has many features which are not necessary for normal retirement benefit estimates. If you do not require these features, you should try using the above calculator first, as it is much easier to use.


b) The Retirement Estimator - The Retirement Estimator gives estimates based on your actual Social Security earnings record. You can use the Retirement Estimator if you have enough Social Security credits at this time to qualify for benefits and you are not:

(i) Currently receiving benefits on your own Social Security record;

(ii) Waiting for a decision about your application for benefits or Medicare;

(iii) Age 62 or older and receiving benefits on another Social Security record; or

(iv) Eligible for a Pension Based on Work Not Covered By Social Security.

3. Retirement Earnings Test Calculator

If you are currently working and are eligible for retirement or survivors benefits this year, you can learn how your earnings may affect your benefit payments with the Earnings Limit Calculator.

4. If you want to find out how much retiring early reduces your monthly benefit as a wage earner or spouse, use the Retirement Age Calculator.

Social Security Adult Disability Report

5. The Online Adult Disability and Work History Report has seven sections which include: Overview, Identification, Medical, Work and Education, Remarks, Review, and Submission. In each section, Social Security will give you detailed instructions and examples to guide you through the process.

6. Survivors Benefits

When you die, members of your family could be eligible for benefits based on your earnings. Planning For Your Survivors explains how you earn benefits and who qualifies for them.

7. Apply for Social Security Benefits Online

Apply for Social Security retirement, disability or spouse's benefits OR apply for just Medicare benefits - Apply for Social Security Benefits Online.


• Have your say! Add your comment or discuss this article on our FaceBook Page.

Similar Topics

1 : List of ISO World Country Codes : Disabled World.
2 : Pick Keno and Lottery Number Combinations and Permutations Calculator : Disabled World.
3 : Imperial Measurements : Disabled World.
4 : Adult Body Mass Index (BMI) Calculator : Ian Langtree.
5 : Cooking Measurement Charts : Disabled World.
From our Calculators and Charts section - Full List (80 Items)

Submit disability news, coming events, as well as assistive technology product news and reviews.

Loan Information for low income singles, families, seniors and disabled. Includes home, vehicle and personal loans.

Famous People with Disabilities - Well known people with disabilities and conditions who contributed to society.

List of awareness ribbon colors and their meaning. Also see our calendar of awareness dates.

Blood Pressure Chart - What should your blood pressure be, and information on blood group types/compatibility.

1 : Turnstone Center Designated as Official Paralympic Training Site by US Olympic Committee
2 : Help Your Child in School by Adding Language to The Math
3 : 50% of Retirees Saw Little or No COLA Increase in Net 2018 Social Security Benefits
4 : Turnstone Endeavor Games Concludes with National Records Broken
5 : Spinning in Circles and Learning From Myself by Tsara Shelton
6 : St. Louis HELP Medical Equipment Donation Drive Generates Record-Breaking Results
7 : People Who Snore Suffer from Palate Nerve and Muscle Damage
8 : How Our Ancestors with Autistic Traits Led a Revolution in Ice Age Art

Disclaimer: This site does not employ and is not overseen by medical professionals. Content on Disabled World is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition. See our Terms of Service for more information.

Reporting Errors: Disabled World is an independent website, your assistance in reporting outdated or inaccurate information is appreciated. If you find an error please let us know.

© 2004 - 2018 Disabled World™