How to Use The Social Security Indexing Calculator

Before your quit your crappy, old job or even before you take that horrific commute one more day, you NEED to understand your Social Security benefit.

Which means you can not rely on some crazy Youtube guy (me!) or even your Social Security statement.

Do your diligence! How much will your benefit be? How did you arrive at that number?

Well, start here. This is the Social Security Indexing calculator, that you can use for your SPECIFIC year of eligibilty.

For me, born in 1970, my first year of eligibility is 2032, when I turn 62. The last year my benefit is indexed based on the average wage index amount will be in 2030.

However, I can figure out very quickly what my index numbers are just by putting in my age of eligibility and VOILA! there are MY specific index numbers and yours too if your first year of eligibility is also 2032.

Very important info here folks. Take advantage of the knowledge that SSA. gov provides you!


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8 Responses

  1. ton Yang says:

    You talk too fast i having hard time to understand.

  2. Jerry D says:

    If I am understanding this correctly then any income I receive after age 62 does not count towards my AIME (can't be used for any of my 35 highest income years). And my PIA bends are based on the values used for my age 62 anniversary. I'm 66 now (2019) so I use bend values for 2015. Correct? Incorrectly thinking I could use the current bend values at the time I finally retire (maybe 2022 when I am 69 years old). Advice???

  3. Rebecca Wilson says:


  4. Scott Engh says:

    Josh, looking at SS for myself. SSA.GOV shows me getting $1655 age 62 (mid 2019) and $2270 age 66.5 (early 2024). SSA expects 75% payout starting 2030. I calculated taking at age 62 to 80 $357,480 and $354,120 age 66.5 to 80. They say breakeven is age 78 for 62 to 66.5, and seems right. BTW, wife and I invested about the same paid into SS and it's worth $1.4M.

  5. The Grimm Perspective - Cory Grimm says:

    Hey Josh, why do I need to know these numbers specifically when the SSA website tells me what my estimated benefits are for ages 60, 67, and 70? What's the difference? Thank you, sir.

  6. H D says:

    Thanks for the info it was helpful

  7. C B says:

    Thanks, I have updated .xls. Speaking of .xls any updates on Sunshine Suzie's .xls (modified)?

  8. Bruce Smith says:

    Thanks Josh I didn't know they did that til I started watching your channel

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