Retirement Age Calculator
Enter your date of birth to find your official full retirement age and target retirement date, based on the US Social Security schedule.
What "full retirement age" actually means
In the United States, full retirement age is the age at which you become eligible for 100 percent of your Social Security retirement benefit. It is not the same for everyone: it depends entirely on your birth year, and it has gradually shifted upward from 65 to 67 for people born from 1938 onward.
This calculator uses the official Social Security Administration schedule to work out your full retirement age and the exact date you reach it, based only on your date of birth.
The birth year schedule this tool uses
| Birth year | Full retirement age |
|---|---|
| 1937 or earlier | 65 |
| 1938 to 1942 | 65 plus 2 months per year after 1937 |
| 1943 to 1954 | 66 |
| 1955 to 1959 | 66 plus 2 months per year after 1954 |
| 1960 or later | 67 |
Frequently asked questions
How is full retirement age determined?
It is set by your birth year according to the official Social Security Administration schedule, and this calculator applies that schedule automatically.
Can I retire earlier than my full retirement age?
Yes, early retirement benefits are usually available starting at 62, though the monthly benefit amount is permanently reduced compared to waiting until full retirement age. Check ssa.gov for exact figures.
Is this calculator official Social Security guidance?
No, this tool provides general informational estimates based on the publicly available birth year schedule. Always confirm specifics directly with the Social Security Administration.