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Retirement · Maximize your benefits

Calculadora de Seguro Social

Reclamar el Seguro Social es una de las decisiones más importantes de tu jubilación.

$ Your situation
Age you'll start benefits ? 67 years 0 months
62FRA70
Assumptions

Asume ingresos constantes que crecen con el índice de salarios nacional hasta que reclames.

Monthly benefit at chosen age $0 at age 67 · $0 / year
Your full retirement age is 67.
Age 62 (earliest) $0
Jubilación plena $0
Age 70 (maximum) $0
How this was calculated
Average Indexed Monthly Earnings (AIME)
$0
Primary Insurance Amount (PIA, at full retirement age)
$0
PIA formula bend points (your eligibility year)
$0 / $0
Adjustment for your chosen claiming age
100%
Estimación en dólares de hoy. No afiliada ni avalada por la Administración del Seguro Social. Para una estimación oficial visita ssa.gov.
Cómo funciona esta calculadora Transparent

Estima tus beneficios comparando la edad 62, tu FRA y los 70 años.

Tu información es privada.

Supuestos y limitaciones Educational

Esta calculadora tiene fines únicamente educativos y de planificación.

Actual benefits may differ due to factors such as:

  • Your lifetime earnings history
  • Full Retirement Age (FRA)
  • Annual cost-of-living adjustments (COLA)
  • Continued employment before or after claiming benefits
  • Future changes to Social Security laws
  • Taxes on Social Security benefits
  • Spousal, survivor, disability, or dependent benefits
  • Medicare premium deductions

Esta calculadora no reemplaza tu estimación oficial de la SSA ni la asesoría personalizada.

Fuentes y metodología Cited

Nuestros cálculos y contenido educativo se basan en organizaciones confiables, incluyendo:

Nuestro objetivo es ofrecer educación objetiva para tomar decisiones informadas sobre cuándo reclamar el Seguro Social.

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Claim at 62, Full Retirement Age, or 70?

Una de las decisiones más importantes es cuándo reclamar el Seguro Social.

For someone with a Full Retirement Age of 67:

  • Reclamar a los 62: cerca del 70% de tu beneficio pleno.
  • Reclamar a los 65: cerca del 86.7% de tu beneficio pleno.
  • Reclamar a los 67 (FRA): 100% de tu beneficio ganado.
  • Reclamar a los 70: cerca del 124% gracias a los créditos por jubilación diferida.

El punto de equilibrio típico está alrededor de los 80–82 años.

Estimated Monthly Benefit by Claiming Age

Claiming Age Estimated Monthly Benefit (% of Full Retirement Benefit)
6270%
6586.7%
67 (Full Retirement Age) 100%
70124%

Key takeaway

Si esperas vivir bien entrados los 80 años o más, retrasar el reclamo puede aumentar sustancialmente tu ingreso de por vida.

Frequently asked questions

When can I start collecting Social Security retirement benefits?
You can begin receiving retirement benefits as early as age 62, but your monthly benefit will be permanently reduced if you claim before your Full Retirement Age (FRA). Waiting until age 70 increases your monthly benefit.
What is my Full Retirement Age (FRA)?
Your Full Retirement Age depends on your birth year. For most people born in 1960 or later, FRA is 67.
Should I claim Social Security at 62, at my Full Retirement Age, or at 70?
It depends on your health, income needs, retirement savings, life expectancy, and whether you're married. Claiming later generally results in higher monthly benefits for life.
How much will my Social Security benefit be?
Your benefit is based on your 35 highest-earning years, your lifetime earnings, and the age at which you begin claiming benefits.
How does working after I start collecting Social Security affect my benefits?
If you claim benefits before your Full Retirement Age and continue working, your benefits may be temporarily reduced if your earnings exceed the annual limit. Once you reach your Full Retirement Age, those limits no longer apply.
Can my spouse receive Social Security benefits based on my work record?
Yes. Eligible spouses may qualify for spousal benefits, which can be up to 50% of your Full Retirement Age benefit, depending on when they claim.
Can divorced spouses receive Social Security benefits?
Possibly. If you were married for at least 10 years, are currently unmarried, and meet other eligibility requirements, you may qualify for benefits based on your former spouse's work record.
What happens if I delay claiming benefits until age 70?
Your monthly retirement benefit increases by approximately 8% per year after your Full Retirement Age until age 70 through Delayed Retirement Credits.
Are Social Security retirement benefits taxable?
They can be. Depending on your total income, up to 85% of your Social Security benefits may be subject to federal income tax. Some states also tax Social Security benefits.
Will Social Security provide enough income for retirement?
For most people, Social Security is intended to replace only a portion of pre-retirement income. Many retirees also rely on personal savings, retirement accounts, pensions, and investments.
What happens if I don't have 35 years of work history?
The Social Security Administration calculates your benefit using your highest 35 years of earnings. If you have fewer than 35 years, the missing years are counted as zero, which may reduce your benefit.
Can I receive Social Security if I've never worked?
You may qualify for spousal or survivor benefits based on your spouse's work record if you meet eligibility requirements, even if you have little or no personal work history.
What is the Social Security earnings limit before Full Retirement Age?
If you're receiving benefits before reaching your Full Retirement Age and continue working, benefits may be temporarily reduced if your earnings exceed the annual earnings limit established by the Social Security Administration.
Can I collect Social Security and continue working?
Yes. You can work while receiving Social Security benefits. Once you reach your Full Retirement Age, there is no earnings limit that reduces your retirement benefits.
How do I maximize my Social Security retirement benefits?
Algunas estrategias comunes incluyen:
  • Trabajar por lo menos 35 años
  • Aumentar tus ingresos de por vida
  • Aplazar los beneficios hasta los 70 años si es apropiado
  • Coordinar las estrategias de reclamo con tu cónyuge
  • Incorporar el Seguro Social a tu plan integral de ingresos para la jubilación

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