Retirement Age Calculator - Social Security Full Retirement Age
Look up your US Social Security full retirement age (FRA) based on birth year and month. See the FRA in years and months, an estimated retirement date, and how long until you reach full retirement age.
Birth Date
Estimate US Social Security full retirement age.
Full Retirement Age
Social Security estimate by birth year.
Full Retirement Age
67
Approx. June 2037
Methodology and limitations
Last reviewed:
Methodology
Applies US Social Security full retirement age rules by birth year, including gradual month increments for transition cohorts.
Limitations
Shows FRA only, not benefit amounts or employer retirement plan eligibility.
Official sources
How Social Security Full Retirement Age Works
Look up your US Social Security full retirement age (FRA) based on birth year and month. See the FRA in years and months, an estimated retirement date, and how long until you reach full retirement age.
Method used
The calculator applies US Social Security full retirement age rules by birth year, including gradual month increments for transition cohorts born between 1943 and 1959, then estimates the calendar date you reach FRA.
FRA = lookup by birth year (66-67 for most current workers)
Practical example
Someone born in July 1960 has a full retirement age of 67, reached in July 2027. Someone born in 1954 reaches FRA at 66.
- Birth year
- Birth month
The result shows FRA in years and months, estimated FRA date, and years/months until FRA from today.
Assumptions
- Rules follow US Social Security Administration FRA tables.
- Birth month affects FRA date within transition-year cohorts.
- Results are for planning, not benefit amount calculation.
What this includes
- Full retirement age, estimated FRA date, and countdown from current date.
What this excludes
- Early claiming reductions at 62, delayed credits to 70, spousal benefits, disability benefits, and non-US pension ages.
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Frequently Asked Questions
What is full retirement age for Social Security?
Full retirement age (FRA) is the age when you can receive your full Social Security retirement benefit without reduction for early claiming. It depends on birth year and ranges from 65 to 67 for people retiring under current US rules. This lookup estimates FRA only—it does not compute benefit dollar amounts.
What is my FRA if I was born in 1960 or later?
If you were born in 1960 or later, full retirement age is 67. You may still claim as early as 62, but monthly benefits are permanently reduced versus waiting until FRA. Delaying past FRA can increase benefits through delayed retirement credits up to age 70 per Social Security rules.
Why do some birth years have months in the FRA?
Congress phased the increase from 65 to 67 gradually. Transition birth years have FRAs such as 66 and 2 months or 66 and 10 months, rising by two months per year in those ranges. Enter birth month as well as year so the estimate reflects those partial-year steps.
Is this the same as when I can retire from my job?
No. Employer pensions, 401(k) access ages, and personal savings targets can differ from Social Security FRA. This calculator estimates Social Security full retirement age only, not workplace eligibility. Coordinate job retirement dates separately with HR and a financial professional when planning when to leave work.
Can I claim Social Security before full retirement age?
Yes. Benefits can start as early as 62 with a permanent reduction, while delaying past FRA up to 70 increases benefits via delayed retirement credits. Claiming also interacts with earnings tests if you keep working. Use official SSA tools for dollar estimates; this page only shows FRA timing.