To find your estimated Social Security benefit, you can follow these steps:

1. Create a "my Social Security" account online
   Go to the Social Security Administration (SSA) website and create a personal account. This allows you to access your earnings record and get a personalized Social Security Statement with benefit estimates based on your actual earnings history

2. Use SSA’s online calculators
   The SSA provides several calculators to estimate your benefits:

   • Quick Calculator : Provides a rough estimate based on your birth date and current earnings without accessing your full earnings record

 * **Online Benefits Calculator** : More accurate, requires you to input your yearly earnings to estimate benefits in today's or future dollars

 * **Detailed Calculator** : A downloadable tool that provides the most comprehensive estimate by considering detailed earnings and scenarios

3. Understand how your benefit is calculated
   Your Social Security benefit depends mainly on your highest 35 years of earnings, your birth year (which determines your full retirement age), and when you choose to start receiving benefits

. The calculation involves:

 * Computing your Average Indexed Monthly Earnings (AIME), which adjusts your past earnings for wage inflation

 * Applying bend points to your AIME to calculate your Primary Insurance Amount (PIA), which is the base benefit amount at full retirement age. For 2025, the PIA formula is:
   * 90% of the first $1,226 of AIME
   * 32% of AIME between $1,226 and $7,391
   * 15% of AIME above $7,391  

The sum is rounded down to the nearest dime

4. Consider your full retirement age (FRA) and claiming age
   Your FRA depends on your birth year (e.g., 67 for those born in 1960 or later). Claiming benefits before FRA reduces your monthly amount, while delaying benefits past FRA increases it up to age 70

Summary of how to find your estimate:

• Sign up for a "my Social Security" account on the SSA website for personalized estimates.
• Use SSA calculators online for rough or detailed estimates.
• Know your earnings history and full retirement age.
• Understand the bend point formula and how claiming age affects your benefits.

This approach ensures you get the most accurate estimate tailored to your work history and retirement plans