How to Use the Social Security Quick Calculator to Plan Your Retirement

Discover how to use the quick calculator on SSA.gov to accurately estimate your Social Security benefit based on your work and retirement decision.

When you’re planning for retirement, one of the biggest questions you’ll face is, “How much will I get from Social Security?” The good news is that there are tools available to help you estimate your benefits. The most accurate estimate comes from logging into your SSA.gov account and checking your personalized earnings record. But if you want a quick estimate without creating an account, the Social Security Quick Calculator is a great place to start.

Let’s walk through how to use this tool, what it can tell you, and why it’s essential to make accurate assumptions about your retirement income.

Where to Find the Social Security Quick Calculator

The Quick Calculator isn’t the easiest tool to find on the Social Security Administration (SSA) website. The best way to locate it is to search for “Social Security Quick Calculator” on Google or within the SSA website. Once there, you’ll see a section called “Benefit Calculators,” and the Quick Calculator will be listed among the options.

The key difference between this tool and others like the Detailed Calculator is that the Quick Calculator does not pull from your earnings record. Instead, it gives a rough estimate based on the information you provide.

Estimating Your Social Security Benefit

Once you access the Quick Calculator, you’ll enter some key details, including:
✔️ Your age
✔️ Your expected retirement age (such as 62, full retirement age at 67, or delaying until 70)
✔️ Your estimated annual income

For example, let’s say you’re 62 years old and earning $60,000 per year. If you plan to retire at full retirement age (67), the Quick Calculator will estimate how much you’ll receive in today’s dollars—not future, inflated dollars.

You’ll notice the option to adjust the estimate for inflation, but I sticking with today’s dollars. Why? Because while your benefits will grow with cost-of-living adjustments (COLA), so will your expenses. Sometimes it can be simpler to think in terms of today’s spending power.

What Happens If You Retire Early?

One of the biggest reasons to use the Quick Calculator is to see the impact of early retirement on your Social Security benefits.

Let’s say you’re 52 years old, earning $90,000 per year, and thinking about retiring in 2025. If you leave the workforce at 52, your Social Security statement may still show an estimate based on the assumption that you’ll continue earning $90,000 until full retirement age (67).

That’s a big mistake!

If you stop working early, your earnings record freezes, and those zero-income years will lower your lifetime average. Instead of assuming you’ll keep earning, you should enter $0 for future earnings in the Quick Calculator.

This gives you a more realistic estimate of what your benefit will be if you stop working now rather than assuming continued income until 67.

The Power of Delaying Social Security

On the flip side, delaying Social Security beyond full retirement age (67) comes with a big reward—an 8% increase per year in your benefit amount until age 70.

For example, if your full retirement age benefit is $2,000 per month, waiting until age 70 could increase that to $2,480 per month—a significant boost!

The Quick Calculator helps visualize these differences so you can weigh the pros and cons of when to claim benefits.

Why This Matters

Relying on the Social Security statement alone can lead to misleading assumptions—especially if you’re planning an early retirement. The Quick Calculator allows you to:
✅ Adjust for early retirement and see how it affects your benefit
✅ Compare different claiming ages (62, 67, or 70)
✅ Get a realistic estimate without logging into SSA.gov

By taking a few minutes to plug in your actual earnings and retirement plans, you’ll have a much clearer picture of what to expect from Social Security.

Get More Out of Your Retirement Planning

Your Social Security benefit is just one piece of your retirement income puzzle. By using the Quick Calculator and working with a financial planner, you can create a strategy that maximizes your retirement income and minimizes taxes.

Links:

• Sign up for Social Security: www.ssa.gov 
• Social Security Quick Calculator
• Social Security and Work: How Much Can You Make in 2025? 
• Supercharge your Social Security Benefit with These 5 Tips 
• 5 Simple Steps to Estimate Your 2025 Social Security Benefit Accurately

Connect With Jeremy Keil:

• Keil Financial Partners
• LinkedIn: Jeremy Keil
• Facebook: Jeremy Keil
• LinkedIn: Keil Financial Partners
• YouTube: Retirement Revealed
• Book an Intro Call with Jeremy’s Team

Disclosures

Jeremy Keil, aka “Mr. Retirement” and Keil Financial Partners offer retirement planning services with a focus on retirement income and tax planning, Social Security and pension claiming decisions, health & life insurance analysis and estate planning strategies. Jeremy Keil and Keil Financial Partners using the trademark name “Mr. Retirement” recognizes that these are not an exhaustive list of all aspects of retirement but are important topics on the financial aspects of retirement planning.  The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Thrivent Advisor Network, LLC and its advisors do not provide legal, accounting or tax advice. Consult your attorney and/or tax professional regarding these situations.

Disclosures: Keil Financial Partners may utilize third-party websites, including social media websites, blogs and other interactive content. We consider all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, we generally retain copies of information that we or third parties may contribute to such sites. This information is subject to review and inspection by Thrivent Advisor Network or the securities regulators. 88 Advisory Persons of Thrivent provide advisory services under a “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Keil Financial Partners and Thrivent Advisor Network, LLC are not affiliated companies.

Thrivent and its financial professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. Before investing, investors should carefully read the prospectus/summary prospectus. and carefully consider the investment objectives, risks, charges and expenses. All portfolio-level performance shown is hypothetical and for illustrative purposes only. Investor returns will differ from the results shown. The investment funds listed herein are not FDIC insured and shouldn’t be seen as a substitute for money market funds. Increases in interest rates can cause the prices of bonds in the portfolio, and thus. the fund’s share price, to decrease. All distribution yields shown are after all fund related expenses, but before ’s management fee.