US full retirement age by year of birth
In the United States, the Social Security Administration sets a full retirement age by year of birth. You can claim from age 62 with a smaller monthly benefit. Use the box under the form to count to the day you reach yours.
| Year of birth | Full retirement age |
|---|---|
| 1937 or earlier | 65 |
| 1938 | 65 and 2 months |
| 1939 | 65 and 4 months |
| 1940 | 65 and 6 months |
| 1941 | 65 and 8 months |
| 1942 | 65 and 10 months |
| 1943 to 1954 | 66 |
| 1955 | 66 and 2 months |
| 1956 | 66 and 4 months |
| 1957 | 66 and 6 months |
| 1958 | 66 and 8 months |
| 1959 | 66 and 10 months |
| 1960 and later | 67 |
Born on 1 January? The SSA says to use the previous year, so someone born on 1 January 1960 uses the 1959 row (66 and 10 months). Born on the 1st of any month, the SSA works out your age as if your birthday were in the previous month. Claiming at 62 cuts the monthly benefit by 25% (born 1943 to 1954) up to 30% (born 1960 or later); waiting past full retirement age, up to 70, raises it.
Workdays left
The units line counts workdays: Monday to Friday, counting today and stopping the day before your date. Holidays and leave are not removed. A retirement 5 years away is roughly 1,300 workdays before holidays.
Honest limits
This is a date counter, not financial or benefits advice. Your actual Social Security date, early or delayed claiming and pension rules depend on your record; check them with the Social Security Administration (ssa.gov, “Retirement age and benefit reduction”) or your plan.
Questions and answers
How is my full retirement age worked out?
From the year you were born, using the Social Security Administration table on this page: 67 for anyone born in 1960 or later, and between 65 and 66 and 10 months for earlier years. The box adds that age to your date of birth and counts to that day. If you were born on 1 January, it uses the previous year, as the SSA does.
How many workdays until I retire?
The units line shows it: Monday to Friday from today up to the day before your date. Subtract holidays and leave yourself.
Which time zone does it use?
Yours. A date with no time counts to midnight at the start of that day on your device. If you add a time, the countdown remembers the time zone you set it in, so a shared link reaches zero at the same moment for everyone, and each person sees it in their own local time.
Where are my countdowns saved?
Only in this browser, in local storage. Press Save to add one to My countdowns; it is there the next time you open any TimerNook countdown page on this device. Clearing your browser data removes them. Nothing is sent to us.