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.
What is the current retirement age? The full retirement age for Social Security is 67 for anyone born in 1960 or later. People born in 1959 have a full retirement age of 66 and 10 months, so they reach it in late 2025 or in 2026. Starting in 2027, everyone reaching full retirement age will be 67.
Full retirement age (FRA) is when you get 100% of your benefit, with no cut for claiming early and no increase for waiting. You can start as early as 62 with a permanent reduction, or wait until 70 for the largest monthly check. FRA is 66 for anyone born 1943 through 1954 and rises by 2 months per birth year for those born 1955 through 1959. Source: Social Security Administration.
The schedule comes from the 1983 Social Security amendments, which raised the age in two-month steps. Only your birth year sets your FRA. Income, marriage, work history and the date you plan to file don't change it. Enter your date of birth to see your FRA and the exact 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 |
Every claiming decision is measured against your FRA. If you start early, SSA cuts your check by 5/9 of 1% for each of the first 36 months before FRA and 5/12 of 1% for each month beyond that. With an FRA of 67, claiming at 62 is 60 months early and costs 30% for life. Claiming at 65 is 24 months early and costs about 13.3%. If you wait past FRA, the check grows 2/3 of 1% a month (8% a year) until 70. After 70 it stops growing, so there's no reason to wait longer.
Two details trip people up. First, SSA considers you to reach an age the day before your birthday. If you were born on January 1, the chart uses the previous year. Someone born January 1, 1960 has the 1959 FRA of 66 and 10 months. Second, FRA isn't the Medicare age. Medicare still starts at 65, so you need to sign up for it even if you plan to wait on Social Security.
This tool shows only your FRA and milestone dates. Your dollar amount depends on your earnings record, which you can estimate with our Social Security Benefit Estimator.
Frequently Asked Questions
What is full retirement age for Social Security?
It's the age when you get 100% of your Social Security retirement benefit, with no cut for claiming early and no bonus for waiting. For anyone retiring now, it's between 66 and 67 depending on birth year.
What is the full retirement age if I was born in 1960?
67. That applies to everyone born in 1960 or later, except people born on January 1, 1960, who use the 1959 FRA of 66 and 10 months.
Can I still retire at 65?
Yes. You can start Social Security any time from 62 on. With an FRA of 67, starting at 65 makes your check about 13.3% smaller for life. Medicare eligibility still begins at 65 either way.
Does my full retirement age change if I keep working?
No. Your birth year alone sets it. Working longer can raise your benefit amount by replacing low-earning years, but it doesn't move your FRA.
What happens if I wait past my full retirement age to claim?
Your check grows by 8% for each year you wait past FRA, up to age 70. With an FRA of 67, waiting until 70 gets you 124% of your full benefit. After 70 it doesn't grow, so file by then.