Social Security Full Retirement Age Calculator
Enter your date of birth. Get your exact FRA, the date you reach it, and your key claiming milestones.
Your full retirement age (FRA) is when you qualify for 100% of your Social Security retirement benefit, with no reduction for claiming early and no increase for delaying. FRA is 66 for anyone born 1943 through 1954, rises gradually to 67 for those born in 1960 or later, and depends on your exact birth year in between.
Congress set the current full retirement age schedule in 1983. It applies to everyone, regardless of when you actually plan to file. Your FRA does not change based on income, marital status, or work history. It is fixed by your birth year alone. Enter your date of birth in the calculator below to find your exact FRA and the date you reach it.
Find Your Full Retirement Age
Your Full Retirement Age is
You reach full retirement age on .
Earliest Claim
Age 62Full Retirement
Maximum Benefit
Age 70Full Retirement Age Reference Chart
| Birth year | Full retirement age |
|---|---|
| 1937 or earlier | 65 years, 0 months |
| 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, 0 months |
| 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 or later | 67 years, 0 months |
Your FRA is the reference point for every Social Security claiming decision. Claim before FRA and your monthly benefit is permanently reduced. Claim after FRA, up to age 70, and it permanently increases. The reduction for claiming early is 5/9 of 1% for each of the first 36 months before FRA, then 5/12 of 1% for each additional month beyond that. For someone with an FRA of 67 claiming at 62, the full 60-month gap works out to a 30% reduction. For someone with an FRA of 66 claiming at 62, the 48-month gap works out to a 25% reduction. The increase for delaying past FRA is 8% per year, or about 2/3 of 1% per month, up to age 70. There is no benefit to waiting past 70. Increases stop accruing at that point. This tool shows your FRA only. It does not estimate your dollar benefit amount, since that depends on your earnings history.
Frequently Asked Questions
What is full retirement age for Social Security?
Full retirement age (FRA) is the age at which you qualify for 100% of your Social Security retirement benefit, with no reduction for early claiming and no increase for delayed claiming. It ranges from 66 to 67 depending on your birth year.
What is the full retirement age if I was born in 1960?
If you were born in 1960 or later, your full retirement age is 67.
Can I still retire at 65?
Yes, you can claim Social Security retirement benefits as early as age 62, but if your FRA is later than 65, claiming before FRA permanently reduces your monthly benefit.
Does my full retirement age change if I keep working?
No. FRA is fixed by your birth year only. It does not change based on your work history, income, or when you actually decide to file.
What happens if I wait past my full retirement age to claim?
Your benefit increases by about 8% per year for each year you delay past FRA, up to age 70. There is no additional increase for waiting past 70.