Retirement Age Calculator
Find your full U.S. Social Security retirement age based on your date of birth.
Early & delayed retirement details
Based on current U.S. Social Security Administration rules for full retirement age. This is informational only and not financial advice — confirm your exact benefit date at ssa.gov.
Understanding Full Retirement Age
“Full retirement age” (FRA) is the age at which you’re entitled to 100% of your U.S. Social Security retirement benefit. It depends entirely on your birth year:
| Birth Year | Full Retirement Age |
|---|---|
| 1937 or earlier | 65 |
| 1938–1942 | 65 + 2 months per year after 1937 |
| 1943–1954 | 66 |
| 1955–1959 | 66 + 2 months per year after 1954 |
| 1960 or later | 67 |
Early vs. Delayed Retirement
You can start claiming benefits as early as age 62, but your monthly amount will be permanently reduced. Alternatively, delaying benefits past your full retirement age (up to age 70) increases your monthly benefit through delayed retirement credits.
This calculator provides general estimates based on current SSA rules and is not financial advice. Confirm your specific situation at ssa.gov.
Frequently Asked Questions
How is full retirement age determined?
The U.S. Social Security Administration sets full retirement age based on birth year. It ranges from 65 (for people born in 1937 or earlier) up to 67 (for anyone born in 1960 or later), with a sliding scale in between.
Can I retire earlier than my full retirement age?
Yes — you can claim Social Security retirement benefits as early as age 62, but your monthly benefit will be permanently reduced.
What happens if I delay retirement past my full retirement age?
Delaying benefits past full retirement age (up to age 70) increases your monthly benefit amount through delayed retirement credits.
Is this financial advice?
No. This tool provides general informational estimates only. Always confirm your exact benefit details directly with the Social Security Administration at ssa.gov.
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Last updated July 17, 2026. Reviewed by the ChronoAge editorial team Our editorial policy
This tool is for informational and professional-reference purposes. Always verify against official records for legal or clinical documentation.