Estimate a U.S. Social Security retirement benefit from earnings history in New Jersey.
A simplified Social Security estimate: earnings are averaged over your 35 highest years (AIME), then the bend points apply 90%/32%/15% to compute the Primary Insurance Amount, with early/late starting adjustments. The SSA's official tool is more precise.
PIA
PIA = 90%×first bend + 32%×second + 15%×rest
Approximate — bend points are indexed yearly.
No — use my Social Security for the exact figure. This is a quick bend-point estimate.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.