USA Social Security Benefit (PIA) Calculator
Enter your Average Indexed Monthly Earnings (AIME) to estimate your Primary Insurance Amount using the 2026 bend points.
USA Social Security Benefit (PIA) Calculator
Estimate your Primary Insurance Amount (PIA) from your Average Indexed Monthly Earnings.
Social Security calculates your Primary Insurance Amount (PIA) — your benefit at full retirement age — by applying 90%, 32% and 15% replacement rates to portions of your Average Indexed Monthly Earnings (AIME), split at two “bend points” that are updated annually.
Example
- With the default values shown above, this calculator returns: Primary Insurance Amount (Monthly) ≈ USD 2,665.88; Primary Insurance Amount (Annual) ≈ USD 31,990.56.
Frequently Asked Questions
What are Social Security bend points?
Bend points are the two AIME thresholds ($1,286 and $7,749 for 2026) where the benefit formula’s replacement rate drops — from 90% to 32%, then from 32% to 15% — so lower earners get a proportionally larger benefit.
Is this my actual benefit check amount?
This is your PIA — the benefit at full retirement age. Claiming earlier reduces it and claiming later (up to age 70) increases it via delayed retirement credits.