Enter Your Full Birth Date
Enter your month, day, and 4-digit birth year so the calculator can apply the FRA schedule correctly.
Enter your full date of birth to calculate your Social Security Full Retirement Age (FRA) and the month you reach it. The calculator also applies Social Security's special first-day-of-the-month rule when it affects the result.
Full Retirement Age is determined primarily by your year of birth. Your birth month and day are also needed to identify the calendar month in which you reach FRA and to apply Social Security's first-day rule when necessary.
Enter your month, day, and 4-digit birth year so the calculator can apply the FRA schedule correctly.
If you were born on the first day of a month, the calculator moves the FRA reference back one month. A January 1 birthday can also use the prior birth year.
The calculator matches the applicable birth year to Social Security's published retirement FRA schedule.
The FRA age is added to the applicable birth-month reference to estimate the month and year you reach Full Retirement Age.
Social Security gradually increased Full Retirement Age from 65 to 67. The schedule below is the retirement FRA schedule used by this calculator.
| Year of Birth | Full Retirement Age |
|---|---|
| 1937 or earlier | Age 65 |
| 1938 | Age 65 years, 2 months |
| 1939 | Age 65 years, 4 months |
| 1940 | Age 65 years, 6 months |
| 1941 | Age 65 years, 8 months |
| 1942 | Age 65 years, 10 months |
| 1943-1954 | Age 66 |
| 1955 | Age 66 years, 2 months |
| 1956 | Age 66 years, 4 months |
| 1957 | Age 66 years, 6 months |
| 1958 | Age 66 years, 8 months |
| 1959 | Age 66 years, 10 months |
| 1960 or later | Age 67 |
This example uses the same FRA rule configuration as the interactive calculator above.
Birth date: May 15, 1965
First-day rule: Not applicable because the birthday is not the first day of the month.
FRA schedule: 1960 or later = Age 67
Calendar math: May 1965 + 67 years + 0 months = May 2032
Estimated FRA: Age 67, reached in May 2032.
Full Retirement Age, often shortened to FRA, is the age at which a worker can receive an unreduced Social Security retirement benefit based on the worker's Primary Insurance Amount. FRA is not the age when a person is required to stop working, and it is not the only age at which retirement benefits can begin.
Retirement benefits can generally begin as early as age 62. Starting before FRA can permanently reduce the monthly retirement benefit. Waiting beyond FRA can increase a worker's retirement benefit through delayed retirement credits, subject to Social Security rules, up to age 70.
For people born in 1960 or later, retirement FRA is age 67. Earlier birth years can have an FRA of 65, 66, or an age between those whole-year points depending on the applicable birth-year schedule.
Your Full Retirement Age also matters in other Social Security rules, including the retirement earnings test. This calculator is intentionally limited to identifying retirement FRA and the month in which it is reached. It does not estimate how much a retirement benefit would be at age 62, FRA, age 70, or another filing age.
Many simplified FRA charts ask only for a birth year. That is enough to identify the FRA age in most cases, but it is not always enough to identify the correct FRA month. Social Security applies a special age-attainment convention to people born on the first day of a month.
If you were born on January 1, Social Security instructs you to use the previous year when determining retirement FRA. For example, a January 1, 1960 birthday uses the 1959 FRA schedule rather than the 1960-and-later schedule. For birthdays on the first day of other months, the applicable month can also shift to the prior month for age-attainment purposes.
That is why this calculator requests your complete date of birth instead of only the year. It allows the calculator to show both the FRA age and the estimated calendar month more accurately.
This Social Security Full Retirement Age Calculator and the information on this page are provided for general educational purposes only. They are not an official government determination and should not be treated as legal, tax, financial, or individualized Social Security advice.
Actual Full Retirement Age, benefit eligibility, filing rights, benefit amounts, reductions, delayed retirement credits, survivor rules, and other official determinations are governed by applicable law and Social Security Administration rules. Confirm your specific situation with the Social Security Administration or a qualified professional before making a claiming decision.