Full retirement age chart
| Year of birth | Full retirement age | Benefit at 62 | Benefit at 70 |
|---|---|---|---|
| 1943–1954 | 66 | 75% | 132% |
| 1955 | 66 and 2 months | 74.2% | 130.7% |
| 1956 | 66 and 4 months | 73.3% | 129.3% |
| 1957 | 66 and 6 months | 72.5% | 128% |
| 1958 | 66 and 8 months | 71.7% | 126.7% |
| 1959 | 66 and 10 months | 70.8% | 125.3% |
| 1960 and later | 67 | 70% | 124% |
Percent of your full benefit. Born on January 1? Use the row for the year before. Born on the 1st of any month? Social Security treats you as reaching each age the month before.
Why it matters
- Claim before it and your benefit is cut for life: 5/9 of 1% for each of the first 36 months early, and 5/12 of 1% for each month beyond that.
- Wait past it and your benefit grows 2/3 of 1% a month (8% a year) until 70.
- Work before it and part of your benefits can be held back if you earn over the yearly limit ($25,560 in 2027). Earnings limit calculator.
To compare claiming at 62, at full retirement age and at 70 with your own numbers, use the break-even calculator.
Questions
What is my full retirement age?
66 if you were born from 1943 through 1954. It rises by two months for each year after that, to 67 for anyone born in 1960 or later. If you were born on January 1, use the year before.
Is full retirement age changing in 2027?
No new change is scheduled. The rise to 67 was set by law in 1983 and is now complete: everyone born in 1960 or later has a full retirement age of 67, and people born in 1960 reach it in 2027.
Is full retirement age the same for Medicare?
No. Medicare starts at 65 for almost everyone, whatever your full retirement age for Social Security.
Updated November 6, 2026. Sources: SSA, Benefit Reduction for Early Retirement; SSA, Delayed Retirement Credits; 20 CFR 404.410; 20 CFR 404.313.