The normal retirement age (NRA) is the age at which retirement benefits (before rounding) are equal to the "primary insurance amount." The table below shows how NRA varies by year of birth for retirees.

You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits only when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.

Find out your full retirement age, which is when you become eligible for unreduced Social Security retirement benefits. The year and month you reach full retirement age depends on the year you were born.

Social Security in retirement The Social Security Retirement benefit is a monthly check that replaces part of your income when you reduce your hours or stop working altogether. It may not replace all your income so it's best to identify other ways …

You can receive Social Security retirement benefits as early as age 62. However, we’ll reduce your benefit if you start receiving benefits before your full retirement age. For example, if you turn age 62 in 2025, your benefit would be about 30% lower than it would be at your full retirement age of 67. Some people will stop working before age 62.

Apply for your monthly retirement benefit any time between age 62 and 70. We calculate your payment by looking at how much you've earned throughout your life. The amount will be higher the longer you wait to apply, up until age 70.

The table shows that retirement at age 62 results in substantial reductions in monthly benefits. Please note that relatively few people can begin receiving a benefit at exact age 62 because a person must be 62 throughout the first month of retirement.

Eligibility for Social Security in retirement Most jobs take Social Security taxes out of your paycheck so you can get a monthly benefit in your 60s. Some jobs, like state and town government positions, don't pay Social Security taxes and therefore don't contribute to …

You can get Social Security retirement or survivors benefits and work at the same time. But, if you’re younger than full retirement age, and earn more than certain amounts, your benefits will be reduced. The amount that your benefits are reduced, however, isn’t lost. Your benefit will increase at your full retirement age to account for

Compare retirement benefit estimates based on your selected date or age to begin receiving benefits with retirement estimates for ages 62, full retirement age (FRA), and 70. You can also input expected future income for inclusion in the estimate.