Retirement Age Calculator
Your full retirement age determines when you get 100% of your Social Security benefit. Enter your birth year to see your exact age, plus what you'd get at 62 and 70.
IndependentFreeNo sign-upSources: Social Security Administration (ssa.gov)
Month and day are only used to apply the SSA's January 1 rule and give you an exact date — they're optional.
Your full retirement age
67
Around 2029
Earliest claim, age 62
70.0%
of your full benefit
Maximum benefit, age 70
124.0%
of your full benefit
- SSA full retirement age table
- January 1 rule applied automatically
- Educational estimate
How we calculate this
Full retirement age is set by birth year under the Social Security Amendments of 1983: 66 for anyone born 1943–1954, rising by two months per birth year through 1959, and 67 for anyone born 1960 or later. If you were born on January 1, the SSA calculates your benefit as if you were born a year earlier. The percentages at 62 and 70 follow directly from your full retirement age using the SSA's early-claiming and delayed-credit formulas.
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Full retirement age by birth year
This is the same chart the SSA publishes, with the percentage of your full benefit you'd get at the earliest claiming age (62) and the maximum claiming age (70) added for each birth year.
| Year of birth | Full retirement age | % at 62 | % at 70 |
|---|---|---|---|
| 1943 | 66 | 75.0% | 132.0% |
| 1944 | 66 | 75.0% | 132.0% |
| 1945 | 66 | 75.0% | 132.0% |
| 1946 | 66 | 75.0% | 132.0% |
| 1947 | 66 | 75.0% | 132.0% |
| 1948 | 66 | 75.0% | 132.0% |
| 1949 | 66 | 75.0% | 132.0% |
| 1950 | 66 | 75.0% | 132.0% |
| 1951 | 66 | 75.0% | 132.0% |
| 1952 | 66 | 75.0% | 132.0% |
| 1953 | 66 | 75.0% | 132.0% |
| 1954 | 66 | 75.0% | 132.0% |
| 1955 | 66 and 2 months | 74.2% | 130.7% |
| 1956 | 66 and 4 months | 73.3% | 129.3% |
| 1957 | 66 and 6 months | 72.5% | 128.0% |
| 1958 | 66 and 8 months | 71.7% | 126.7% |
| 1959 | 66 and 10 months | 70.8% | 125.3% |
| 1960 or later | 67 | 70.0% | 124.0% |
Why full retirement age matters
Full retirement age (FRA) is the age at which the Social Security Administration pays you 100% of your calculated benefit (your PIA) — no early-claiming reduction, no delayed-credit bonus yet. Claim before it and your check is permanently smaller; wait past it (up to 70) and your check is permanently larger. See exactly how much larger with the62 vs 67 vs 70 calculator, or find the specific age where waiting pays off in total dollars with thebreak-even calculator.
Frequently asked questions
What is my full retirement age if I was born in 1962?
Your full retirement age is 67 — the same as anyone born 1960 or later. That's when you're eligible for 100% of your Social Security retirement benefit, with no early-claiming reduction and no delayed credit yet.
What is full retirement age for someone born in 1958?
66 and 8 months. Full retirement age rose gradually by birth year for people born 1955–1959 before settling at 67 for everyone born 1960 or later.
What is full retirement age for someone born in 1959?
66 and 10 months — one step below the 67-year full retirement age that applies to anyone born in 1960 or later.
Can I retire at 55?
You can stop working at any age, but that's different from Social Security "retirement." Social Security retirement benefits can't start before age 62, no matter when you stop working. If you have a 401(k) or IRA, withdrawals are generally penalty-free starting at 59½ (some 401(k) plans allow penalty-free withdrawals at 55 if you left that employer). This is educational, not personalized financial advice.
Is full retirement age changing again?
Not under current law. Full retirement age has been 67 for everyone born 1960 or later since the 1983 Social Security amendments were phased in, and there's no scheduled further increase. Congress could change the law in the future, but as of today, 67 is the maximum full retirement age.
What does the January 1 rule mean?
The Social Security Administration treats you as having reached an age the day before your birthday. So if you were born on January 1, the SSA calculates your benefits as if you were born in the previous year — this can shift which full-retirement-age row applies to you. If you were born on any other date, this rule doesn't affect you.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with the SSA, the IRS, or any government agency. For decisions about your own situation, consider a licensed financial advisor.