Summary: Looking at the average monthly Social Security check by age can help you understand what your monthly benefits will be if you retire at age 62, 66, 67, or 70. Using data from the Social Security Administration, we compare how much retired beneficiaries' checks are by age and by sex. We also look at what amount recipients receive when they begin taking benefits at their full retirement age (FRA) versus collecting a delayed retirement credit.
Getting a handle on the average Social Security check by age can help you fine-tune your retirement plans. As of August 2025, over 56 million retired workers and family members received monthly benefits from the Social Security Administration (SSA), totaling $109.3 billion.
How much do they receive? As of August 2025, the average Social Security monthly check for retired workers was $2,008.31, an increase of $1.62 over July's average amount of $2006.69, according to the SSA's Monthly Statistical Snapshot. The average retiree's monthly benefit has increased by $29.54 since January 2025.
From just $107.88 $24.99 for Kiplinger Personal Finance
Be a smarter, better informed investor.
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Your personal monthly Social Security benefit depends on how much you’ve earned, how long you worked, the age at which you claim(ed) your benefit, and your marital status.
The complexity of benefits calculations means it can be challenging to determine what your exact Social Security payments might be if you haven't started taking them. Still, it's possible to produce a reasonable estimate.
Check the Social Security payment schedule for 2025 and 2026 to find out when your benefits will be arriving throughout the year.
The average Social Security check
One way to get an idea of how much your monthly benefits will be if you retire at ages 62, 66/67, and 70 is to look at the average monthly Social Security check in 2024.
Why does the average benefit received at these ages matter? Age 62 is the age at which you can claim a reduced benefit, age 66/67 is the full retirement age (depending on birth year), and 70 is the age at which you can receive the maximum amount if you delay claiming benefits.
We can also compare how much retired SSA beneficiaries' checks are by age and whether they began taking benefits at their full retirement age or received more by collecting a delayed retirement credit using data from the SSA Annual Statistical Supplement, 2025.
Maximum benefit if you retire in 2025 by age
By comparing the maximum benefit by age, it's easy to quantify the bump in benefits you receive when you delay collecting benefits until age 70. The difference in 2025 between the maximum benefit for someone who retires early at 62 vs waiting until 70 is $2,187. (On the table below, that's $5,018 at age 70, less $2,831 at age 62, or a change of $2,187).
Age | Maximum possible benefit in 2025 | Adjustments to benefit |
|---|---|---|
62 — the youngest possible retirement age | $2,831 | early retirement reduction |
66/67 — full retirement age | $4,018 | No early retirement reduction or delayed retirement credit |
70 — the age when extra benefits stop accruing | $5,108 | delayed retirement credit |
Average monthly Social Security benefit for ages, 66, 67, 70, 75, 80, 85 and 90 and older
Here are the average monthly benefit amounts broken out by age and gender. The second table also shows the average monthly benefits amount broken out by age and gender, but includes benefit amounts from delayed retirement credits and a hypothetical amount reflecting the absence of the credit.
If you wait until you reach full retirement age to claim Social Security benefits, you’ll receive 100% of your earned benefits. By waiting to claim your Social Security benefits until age 70, your monthly Social Security benefit will grow by 8% a year until you're 70. The delayed retirement credit accumulates monthly.
Age | Average monthly benefit amount for all retirees | Average monthly benefit for men | Average monthly benefit for women |
|---|---|---|---|
All retirees | $2,178.71 | $2,400.95 | $1,924.13 |
66 | $2,127.06 | $2,365.32 | $1,874.97 |
67 | $2,162.83 | $2,393.41 | $1,914.87 |
70 | $2,176.76 | $2,399.78 | $1,939.61 |
75 | $2,174.20 | $2,379.00 | $1,926.64 |
80 | $2,250.80 | $2,485.27 | $1,964.84 |
85 | $2,202.04 | $2,441.78 | $1,908.60 |
90 or older | $1,663.04 | $1,730.21 | $1,615.04 |
By age and sex | Number of retired workers | Actual average monthly benefit including delayed retirement credit | Hypothetical average monthly benefit without delayed retirement credit |
|---|---|---|---|
Age 66 All retired workers | 5,925 | $2,612.53 | $2,562.72 |
Men | 3,202 | $2,899.96 | $2,848.45 |
Women | 2,723 | $2,274.54 | $2,226.72 |
| Row 3 - Cell 0 | Row 3 - Cell 1 | Row 3 - Cell 2 | Row 3 - Cell 3 |
Age 67 All retired workers | 149,758 | $2,510.79 | $2,430.34 |
Men | 79,496 | $2,756.91 | $2,671.41 |
Women | 70,262 | $2,232.31 | $2,157.59 |
| Row 7 - Cell 0 | Row 7 - Cell 1 | Row 7 - Cell 2 | Row 7 - Cell 3 |
Age 70 All retired workers | 677,305 | $3,031.98 | $2,508.98 |
Men | 360,066 | $3,333.57 | $2,760.45 |
Women | 317,239 | $2,689.67 | $2,223.56 |
| Row 11 - Cell 0 | Row 11 - Cell 1 | Row 11 - Cell 2 | Row 11 - Cell 3 |
Age 75 All retired workers | 434,845 | $2,995.23 | $2,424.11 |
Men | 221,559 | $3,308.74 | $2,695.36 |
Women | 213,286 | $2,669.56 | $2,142.34 |
| Row 15 - Cell 0 | Row 15 - Cell 1 | Row 15 - Cell 2 | Row 15 - Cell 3 |
Age 80 All retired workers | 155,124 | $2,725.24 | $2,257.55 |
Men | 73,971 | $3,055.02 | $2,556.70 |
Women | 81,153 | $2,424.64 | $1,984.88 |
| Row 19 - Cell 0 | Row 19 - Cell 1 | Row 19 - Cell 2 | Row 19 - Cell 3 |
Age 85 All retired workers | 52,054 | $2,220.49 | $1,872.93 |
Men | 20,260 | $2,467.89 | $2,133.12 |
Women | 31,794 | $2,062.84 | $1,707.13 |
| Row 23 - Cell 0 | Row 23 - Cell 1 | Row 23 - Cell 2 | Row 23 - Cell 3 |
90 or older All retired workers | 418,086 | $2,220.16 | $2,041.45 |
Men | 207,004 | $2,456.28 | $2,263.63 |
Women | 211,082 | $1,988.61 | $1,823.56 |
How to estimate your monthly benefits
One way to estimate your Social Security benefits is to create an account through the SSA's website (or sign in to your existing account) and use their benefits calculator.
This online tool helps you account for your earnings history and expected future earnings to estimate your benefits at ages 62, 67, and 70, allowing you to make an informed choice about when to apply for Social Security benefits.
You can also visit a local Social Security office for additional information and assistance.
Tip: I recommend you read How to Estimate Your Social Security Benefits in Six Steps to understand how your benefit amount is determined and learn how to calculate your estimated benefits.
Social Security is just one part of retirement
Once you've estimated your Social Security benefits by age, you'll have a better sense of your retirement income. You can also compare your benefits with others of the same age.
Remember, though, that Social Security is just one part of a retirement plan. You should likely supplement your benefits with a 401(k), IRA, or other investment.
To get an idea of how your full retirement portfolio compares to peers, read:
The Average 401(k) Balance by Age
The Average IRA Balance by Age
The Average Retirement Savings by Age
Related Content
-
Dow Adds 314 Points to Thanksgiving Rally: Stock Market TodayInvestors, traders and speculators enjoy the best Thanksgiving Week gains for the major stock market indexes in more than a decade.
-
Why Prepaying Your Retirement Dreams Might Be a Financial Game ChangerHe bought his retirement home more than a decade before he plans to retire. Was it the right move?
-
Should You Skip the Wait and Prepay Your Retirement Dreams?
He bought his retirement home more than a decade before he plans to retire. Was it the right move?
-
My $1.2 Million Vacation Home Has a $360K Mortgage. I Don't Need My Upcoming $45K RMD. Should I Use It to Pay Down the Mortgage?We asked wealth planners for advice.
-
Unwrapping Your Estate Plan for Your Kids: A Gift That'll Keep Giving Long After the HolidaysThe holidays offer families a perfect opportunity to discuss important, often difficult topics like long-term care, estate plans and legacy.
-
5 Ways to Teach Your Kids About Giving Back, From a Financial PlannerTeaching kids generosity goes beyond simple rules and can involve fun, practical strategies, such as letting them lead giving, volunteering together and more.
-
I'm a Financial Planner: Here's How You Can Use AI to Improve Your FinancesApps can help with budgeting, saving and investing, financial coaching and debt management. But providing your personal information can also raise your risks.
-
How to Get HBO Max for $2.99 with Hulu This Black FridayTake advantage of Hulu’s holiday pricing and stream HBO Max hits for only $2.99 a month.
-
Hulu’s Black Friday Deal Gets You Starz for Only $2.99Get premium entertainment for less with Hulu’s limited-time Black Friday STARZ deal.
-
The Best Christmas Movies on Paramount+ (and How to Watch Them for Less)Settle in this holiday season with classic Christmas movies on Paramount+ and save with the service’s limited-time Black Friday deal.
