How much Social Security income you may receive when you retire will depend on:

• Your earnings over your lifetime
• The age at which you will begin receiving benefits
• Whether you will be eligible to receive a spouse's benefit instead of your own

You can use Social Security's benefit calculators to:

• Estimate your retirement benefits based on when you would begin receiving them (from age 62 to 70)
• Calculate what payments you would receive based on your earning history
• Find out your full retirement age
• Learn about earning limits if you plan to work while receiving Social Security benefits

When you are ready to retire, you can apply for Social Security benefits online.