Enter your earnings data from ssa.gov into the Social Security Calculator to learn whether or not you’ve passed the first and second bend points and what your expected benefit would be if you retired today.

For a full explanation, please see the post Social Security and Early Retirement 2025: Know Your Bend Points!  

Scroll down to the year of your first recorded earnings and see your bend points and estimated benefit at the bottom of the spreadsheet. If you’d prefer, you can download this spreadsheet and others I’ve made for home use.

Note: Some Apple computers download the file as a zip file rather than a .xlsx file. If your downloaded file ends in .zip or any other file extension, change it back to .xlsx and you’ll find that you have a working spreadsheet.

Download all PoF calculators in one Excel file! You will be sent a link to the file and a confirmation to receive notifications of new posts.