US Social Security AIME Scenario Calculator
Apply 2025/2026 eligibility-year bend points to an already determined AIME.
Your result
FINANCIALEnter your values and select calculate.
On this page How it works & practical examples
How to use the US Social Security AIME Scenario Calculator
Enter AIME already determined using the appropriate SSA earnings history and wage indexing. Eligibility year means the year of turning 62, not merely the current payment year. The supported cohorts have full retirement age 67.
The calculation
Worked example
An AIME of $3,000 with 2026 age-62 eligibility gives an unadjusted PIA of $1,705.80, before later COLAs.
Assumptions and limits
No earnings-history indexing, later COLAs, spousal/survivor benefits, disability, Medicare deductions or earnings test. Results are an educational pre-COLA claiming scenario, not an official benefits statement.
Common questions
Which inputs should I use?
Enter AIME already determined using the appropriate SSA earnings history and wage indexing. Eligibility year means the year of turning 62, not merely the current payment year. The supported cohorts have full retirement age 67.
What does the result exclude?
No earnings-history indexing, later COLAs, spousal/survivor benefits, disability, Medicare deductions or earnings test. Results are an educational pre-COLA claiming scenario, not an official benefits statement.