Average social security check at age 63

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Workers with Maximum-Taxable Earnings
How much Social Security does a 63 year old get?
What is the maximum Social Security benefit at age 63?
What is the average amount of Social Security at age 62?
How much SS will I get if I retire at 64?

Workers with Maximum-Taxable Earnings

Social Security benefits depend on earnings
The amount of a person's retirement benefit depends primarily on his or her lifetime earnings. We index such earnings (that is, convert past earnings to approximately their equivalent values near the time of the person's retirement) using the national average wage index. See how we use earnings to compute a retirement benefit amount.

Benefit Examples For Workers With Maximum-Taxable Earnings
The initial benefit amounts shown in the table below assume retirement in January of the stated year, with maximum-taxable earnings since age 22. Benefits in 2023 reflect subsequent automatic benefit increases (if any). The table shows Average Indexed Monthly Earnings (AIME)—an amount that summarizes a person's earnings—and the corresponding monthly benefit amounts. Retirement at age 70 produces the highest ratio of retirement benefit to AIME.

Worker with steady earnings at the maximum level since age 22

Retirement in Jan.	Retirement at age 62 a	Retirement at age 65 b	Retirement at age 66 c	Retirement at age 67 d	Retirement at age 70 e
AIME	Monthly benefits	AIME	Monthly benefits	AIME	Monthly benefits	AIME	Monthly benefits	AIME	Monthly benefits
Initial	In 2023	Initial	In 2023	Initial	In 2023	Initial	In 2023	Initial	In 2023
1987	$2,205	$666	$1,788	$2,009	$789	$2,116	$1,955	$806	$2,163	$1,861	$825	$2,214	$1,725	$1,056	$2,834
1988	2,311	691	1,780	2,139	838	2,158	2,089	860	2,215	2,040	880	2,267	1,859	1,080	2,781
1989	2,490	739	1,829	2,287	899	2,226	2,217	911	2,256	2,171	936	2,318	2,000	1,063	2,632
1990	2,648	780	1,844	2,417	975	2,305	2,368	984	2,327	2,302	998	2,360	2,154	1,085	2,565
1991	2,792	815	1,829	2,531	1,022	2,294	2,502	1,079	2,421	2,457	1,084	2,433	2,332	1,163	2,611
1992	2,978	860	1,860	2,716	1,088	2,355	2,617	1,113	2,409	2,592	1,175	2,542	2,470	1,231	2,664
1993	3,154	899	1,890	2,878	1,128	2,371	2,801	1,181	2,482	2,708	1,203	2,528	2,605	1,289	2,707
1994	3,384	954	1,954	3,024	1,147	2,349	2,963	1,219	2,497	2,891	1,276	2,613	2,758	1,358	2,781
1995	3,493	972	1,936	3,219	1,199	2,388	3,112	1,248	2,486	3,055	1,319	2,628	2,896	1,474	2,935
1996	3,657	1,006	1,954	3,402	1,248	2,424	3,306	1,300	2,525	3,201	1,352	2,626	3,012	1,501	2,914
1997	3,877	1,056	1,993	3,634	1,326	2,503	3,490	1,364	2,574	3,396	1,412	2,665	3,189	1,609	3,037
1998	4,144	1,117	2,064	3,750	1,342	2,481	3,724	1,437	2,657	3,584	1,477	2,730	3,348	1,648	3,045
1999	4,463	1,191	2,174	3,926	1,373	2,504	3,847	1,451	2,648	3,822	1,544	2,816	3,496	1,684	3,072
2000	4,775	1,248	2,221	4,161	1,435	2,554	4,031	1,502	2,674	3,954	1,585	2,821	3,707	1,752	3,120
2001	5,126	1,314	2,260	4,440	1,538	2,645	4,272	1,593	2,741	4,144	1,657	2,850	3,912	1,879	3,231
2002	5,499	1,382	2,317	4,770	1,660	2,783	4,555	1,692	2,837	4,390	1,750	2,933	4,165	1,988	3,332
2003	5,729	1,412	2,334	5,099	1,721	2,846	4,890	1,814	2,999	4,679	1,836	3,036	4,321	2,045	3,381
2004	5,892	1,422	2,303	5,457	1,784	2,889	5,219	1,894	3,068	5,015	1,989	3,221	4,532	2,111	3,418
2005	6,137	1,452	2,291	5,827	1,874	2,955	5,574	1,982	3,125	5,341	2,088	3,293	4,786	2,252	3,551
2006	6,515	1,530	2,319	6,058	1,961	2,971	5,940	2,108	3,193	5,692	2,223	3,368	5,072	2,420	3,666
2007	6,852	1,598	2,343	6,229	1,998	2,930	6,177	2,194	3,218	6,062	2,348	3,443	5,406	2,672	3,919
2008	7,260	1,682	2,410	6,479	2,030	2,910	6,350	2,212	3,171	6,300	2,432	3,487	5,733	2,794	4,005
2009	7,685	1,769	2,397	6,861	2,172	2,943	6,606	2,323	3,148	6,480	2,539	3,441	6,090	3,054	4,138
2010	7,949	1,820	2,465	7,189	2,191	2,969	6,976	2,346	3,179	6,728	2,532	3,431	6,450	3,119	4,226
2011	7,928	1,803	2,443	7,579	2,249	3,047	7,299	2,366	3,205	7,091	2,555	3,462	6,683	3,193	4,326
2012	8,199	1,855	2,426	7,973	2,310	3,021	7,680	2,513	3,287	7,407	2,666	3,487	6,852	3,266	4,271
2013	8,539	1,923	2,473	8,230	2,414	3,105	8,074	2,533	3,258	7,788	2,780	3,575	7,095	3,350	4,309
2014	8,890	1,992	2,525	8,229	2,431	3,081	8,335	2,642	3,348	8,182	2,795	3,542	7,452	3,425	4,340
2015	9,066	2,025	2,523	8,479	2,452	3,054	8,314	2,663	3,318	8,417	2,916	3,634	7,747	3,501	4,361
2016	9,431	2,102	2,619	8,782	2,491	3,104	8,556	2,639	3,288	8,395	2,891	3,602	8,090	3,576	4,455
2017	9,784	2,153	2,675	9,076	2,542	3,157	8,843	2,687	3,338	8,624	2,870	3,565	8,426	3,538	4,395
2018	9,936	2,158	2,628	9,243	2,589	3,153	9,144	2,788	3,396	8,918	2,973	3,620	8,649	3,698	4,503
2019	10,296	2,209	2,617	9,578	2,757	3,267	9,300	2,861	3,389	9,204	3,106	3,680	8,635	3,770	4,466
2020	10,683	2,265	2,641	9,919	2,857	3,331	9,636	3,011	3,511	9,366	3,150	3,673	8,864	3,790	4,420
2021	11,098	2,324	2,675	10,074	2,841	3,270	9,979	3,113	3,583	9,704	3,306	3,806	9,150	3,895	4,484
2022	11,430	2,364	2,569	10,437	2,993	3,253	10,141	3,240	3,522	10,049	3,568	3,879	9,446	4,194	4,559
2023	12,427	2,572	2,572	10,824	3,279	3,279	10,503	3,506	3,506	10,217	3,808	3,808	9,628	4,555	4,555

a Retirement at age 62 is assumed here to be at exact age 62 and 1 month. Such early retirement results in a reduced monthly benefit.
b Retirement at age 65 is assumed to be at exact age 65 and 0 months. For retirement in 2003 and later, the monthly benefit is reduced for early retirement. (For people born before 1938, age 65 is the normal retirement age. Normal retirement age will gradually increase to age 67.)
c Retirement at age 66 is assumed to be at exact age 66 and 0 months. Age 66 is the normal retirement age for people born in 1943-54. People who retired at age 66 and who were born before 1943 received delayed retirement credits; those born after 1954 will have their benefits reduced for early retirement. Thus, for retirement in 2021 and later, the monthly benefit is reduced for early retirement.
d Retirement at age 67 is assumed to be at exact age 67 and 0 months. Age 67 is the normal retirement age for people born in 1960 and later. People who retired at age 67 and who were born before 1960 received delayed retirement credits.
e Retirement at age 70 maximizes the effect of delayed retirement credits.

Note: Initial monthly benefits paid at ages 65, 66, 67, and 70 in 2000-2001 were slightly lower than the amounts shown above because such initial benefits were partially based on a cost-of-living adjustment (COLA) for December 1999 that was originally determined as 2.4 percent based on CPIs published by the Bureau of Labor Statistics. Pursuant to Public Law 106-554, however, this COLA is effectively now 2.5 percent, and the above figures reflect the benefit change required by this legislation.

At age 63, you qualify for 75.8% of the maximum benefit you would have received had you waited until you were age 66 years and 10 months. That means you would receive about $2,535 a month.

The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2022, your maximum benefit would be $3,345. However, if you retire at age 62 in 2022, your maximum benefit would be $2,364. If you retire at age 70 in 2022, your maximum benefit would be $4,194.

At age 62: $2,364. At age 65: $2,993. At age 66: $3,240. At age 70: $4,194.