Full Retirement Age & Earnings Test Calculator

Social Security retirement benefit planning

Find your Full Retirement Age and earnings impact

Find your Full Retirement Age (FRA) and estimate how work earnings could reduce Social Security retirement benefits before and during your FRA year.

Your details

Results

Born in 1960, your Full Retirement Age is 67 years . Before FRA, earnings above $23,400 may reduce your benefit.

Full Retirement Age
67 yrs
FRA in months
804
Exempt earnings
$23,400
Excess earnings
$6,600
Benefits withheld
$3,300
Months affected
2

Before FRA, $1 withheld for every $2 above the annual exempt amount.

Age options

AgeEffect on monthly benefitNotes
62 Up to ~30% lower than FRA amount Earliest possible. Earnings test may apply.
67 (FRA) 100% of primary benefit Earnings test ends the month you reach FRA.
70 Up to ~24%–32% higher than FRA No earnings test; maximum delayed credits.

These are rough estimates. Use SSA's Quick Calculator or your my Social Security account for personalized estimates.