If you are expecting to receive a pension based on work not covered by Social Security, (e.g. federal, state, or local government employment) it may reduce the amount of Social Security benefits we can pay you. Our Windfall Elimination Provision (WEP) Online Calculator can tell you how your benefits may be affected.
You will need to enter all of your earnings taxed by Social Security, which are shown on your online Social Security Statement.
You also need to enter the monthly amount of your pension that was based on work not covered by Social Security. If all of your pension income is covered by Social Security, you do not need to use this calculator and you can use the more straightforward Online Calculator instead.
WEP does not affect benefits for your survivors.
You can learn more about non-covered pensions and WEP on our Information for Government Employees page.
If you will receive a pension based on work not covered by Social Security but you do not have enough earnings to be insured for Social Security benefits, our Government Pension Offset (GPO) Calculator can tell you how your benefits as a spouse, widow, or widower may be affected.
- The Online Calculator is updated periodically* with new benefit increases and other benefit amounts. Therefore, it is likely that your benefit estimates in the future will differ from those calculated today.
- Some browsers may not allow you to print the table below.
*The most recent calculator update was in July 2022.
(To protect your records from unauthorized users, the Online Calculator is not linked to your record of earnings in our database. Instead, we ask you to insert your earnings in the calculator. As we develop more secure authentication procedures in the future, we will insert your numbers directly from our earnings database.)
Note: If your birthday is on January 1st, we figure your benefit as if your birthday was in the previous year.
If you qualify for benefits as a Survivor, your full retirement age for survivors benefits may be different.
If you have an estimate of your monthly Social Security retirement benefit (in future, inflated dollars), you can use the Employee Benefit Research Institute (EBRI), Ballpark E$timate Online, to get a basic idea of how much you need to save before you retire.
Create a my Social Security Account
Choosing when to retire is an important and personal decision. The best way to start planning for your future is by creating a my Social Security account. With my Social Security, you can verify your earnings, get your Social Security Statement, and much more – all from the comfort of your home or office.