Social Security benefit estimate API

Estimate the monthly Social Security benefit from Average Indexed Monthly Earnings using the 2024 PIA bend-point formula PIA = 0.90·AIME≤$1,174 + 0.32·(≤$7,078) + 0.15·(>$7,078) then applying the early-claim reduction (−5/9% then −5/12% per month) or delayed-credit increase (+2/3% per month), returning the per-tier breakdown. Answers 'estimate my Social Security benefit','how much will I get at 62 vs 70','what is my PIA from my AIME'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-social-security-estimate

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcsocial-securitypiabend-pointsretirementclaiming-agepersonal-financebenefits

API URLhttps://x402.hexl.dev/v1/calc/pf-social-security-estimate

Integration docs

Example request

{
  "averageIndexedMonthlyEarnings": 6000,
  "claimAge": 67,
  "fullRetirementAge": 67
}

Example response

{
  "formula": "PIA = 0.90·AIME≤$1,174 + 0.32·(≤$7,078) + 0.15·(>$7,078); ×claiming factor",
  "estimatedMonthlyBenefit": 2600.92,
  "estimatedAnnualBenefit": 31211.04,
  "primaryInsuranceAmount": 2600.92,
  "claimingFactor": 1,
  "rating": "full benefit",
  "breakdown": {
    "averageIndexedMonthlyEarnings": 6000,
    "claimAge": 67,
    "fullRetirementAge": 67,
    "tier1": 1056.6,
    "tier2": 1544.32,
    "tier3": 0,
    "bendPoints": [
      1174,
      7078
    ]
  }
}

Input schema

{
  "type": "object",
  "required": [
    "averageIndexedMonthlyEarnings"
  ],
  "properties": {
    "averageIndexedMonthlyEarnings": {
      "type": "number",
      "description": "AIME in dollars",
      "examples": [
        6000
      ]
    },
    "claimAge": {
      "type": "number",
      "description": "age 62-70, default 67",
      "examples": [
        67
      ]
    },
    "fullRetirementAge": {
      "type": "number",
      "description": "default 67",
      "examples": [
        67
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}