Social Security Retirement Date Calculator
Enter your date of birth to get your Social Security full retirement age and date — plus your earliest date at 62 and your age-70 date. Dates come straight from the SSA's official full-retirement-age schedule.
How it's calculated
Your birth year picks your full retirement age from the SSA's official schedule (66 to 67). Your full retirement date is your birth date + that age, minus one day — Social Security's attainment rule counts you as reaching an age the day before your birthday. The earliest date is 62 minus one day; the age-70 date is 70 minus one day.
Dates only — this tool doesn't compute benefit amounts or reductions. The full retirement age, explained.
Examples
Born 15 March 1960: full retirement age 67 years; full retirement date 14 March 2027 (Sunday); earliest (62) 14 March 2022 (Monday); age 70 14 March 2030 (Thursday).
Full retirement age by birth year
The official SSA schedule this calculator uses:
| Birth year | Full retirement age |
|---|---|
| 1937 or earlier | 65 years |
| 1938 | 65 years 2 months |
| 1939 | 65 years 4 months |
| 1940 | 65 years 6 months |
| 1941 | 65 years 8 months |
| 1942 | 65 years 10 months |
| 1943–1954 | 66 years |
| 1955 | 66 years 2 months |
| 1956 | 66 years 4 months |
| 1957 | 66 years 6 months |
| 1958 | 66 years 8 months |
| 1959 | 66 years 10 months |
| 1960–2100 | 67 years |
Born on 1 January? The SSA treats you as if you were born in the previous year — the calculator applies this automatically.
Related tools
- FERS Retirement Date Calculator
- Military Retirement Date Calculator
- Early Retirement Date Calculator
- Retirement Age Calculator by Date of Birth
Related guides
Source: Social Security Administration — full retirement age schedule
Frequently asked questions
What exactly is "full retirement age"?
It's the age at which you're entitled to your full (unreduced) Social Security retirement benefit — between 66 and 67 depending on your birth year. Claiming earlier reduces the monthly amount; waiting past it earns delayed credits up to 70.
Why is my full retirement date one day before my birthday?
Social Security's attainment rule: you're legally considered to reach an age the day before your birthday. The date above is the day you actually attain full retirement age — it's correct, not an off-by-one error.
I was born on 1 January. Does the table apply to me?
Yes, with a twist: the SSA treats 1-January births as belonging to the previous birth year for the full-retirement-age schedule. The calculator applies this automatically.
Can I claim before full retirement age?
Yes — as early as 62, shown above as your "earliest" date. The trade-off is a permanently reduced monthly benefit. How much it shrinks is a benefits question this site doesn't compute.
Is there any point waiting past 70?
No, for delayed retirement credits — they stop accruing at 70, so your age-70 date is the last one that gains anything. That's why the tool shows it alongside your earliest and full dates.
Does this cover survivor or disability benefits?
No — those have their own rules and timelines. This calculator is for retirement benefits only; check the SSA directly for anything else.