Rough estimate of your monthly Social Security benefit at full retirement age, using the bend-point formula.
The SSA formula applies decreasing percentages to bands ('bend points') of your average indexed monthly earnings (AIME): 90% of the first band, 32% of the next, and 15% above that. This estimator uses your entered average monthly earnings as a simplified stand-in for AIME — your real benefit depends on your full 35-year earnings history and cost-of-living adjustments.
Illustrative estimate only, using simplified/rounded 2026 figures — not tax advice. Actual federal, state, and payroll tax rules are more detailed. Always confirm with the IRS or a licensed tax professional.