How is Social Security calculated?
Quick Answer
Social Security uses your highest 35 years of inflation-adjusted earnings to calculate an Average Indexed Monthly Earnings (AIME), then applies a progressive formula with bend points to compute your benefit.
Warren Team
Updated March 19, 2026
34
Warren Team
Updated March 19, 2026
34
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
Get Personalized Advice
Schedule a free 15-minute consultation with our fiduciary advisors
Book Free Consultation