Primary Insurance Amount The basic Social Security benefit is called the primary insurance amount (PIA). Typically the PIA is a function of average indexed monthly earnings (AIME). We determine the PIA by applying a PIA formula to AIME. The formula we use depends on the year of first eligibility (the year a person attains age 62 in retirement cases). CaseAIMEFirstSecondFormula applied to AIME A$5,321$1,174$7,078.9(1174) + .32(5321 - 1174) = $2,383.64 B10,9119605,785.9(960) + .32(5785 - 960) + .15(10911 - 5785) = $3,176.90 Because the worker in case A is first eligible for benefits in 2024, and also retires in 2024, there are no applicable cost-of-living adjustments, or COLAs, to the amount computed above. Therefore, the case-A PIA is the case A amount computed above truncated to the next lower dime, or $2,383.60. The worker in case B is first eligible in 2020 (the year case B reached age 62). Thus the case-B PIA is the case B amount computed above truncated to the next lower dime and increased by cost-of-living adjustments, or COLAs, for 2020 through 2023. These COLAs are 1.3 percent, 5.9 percent, 8.7 percent, 3.2 percent, respectively. The resulting PIA is $3,822.80. Benefit Based on PIA and Age The amount of retirement benefits paid depends on a person''''s age when he or she begins receiving benefits. We reduce benefits taken before a person''''s normal (or full) retirement age and we increase benefits taken after normal retirement age. We assume the worker in case A begins receiving benefits at the earliest possible age, which is age 62. Because case A''''s normal retirement age is 67 years, the benefit amount for case A is reduced for 60 months of early retirement. The $2,383.60 PIA is thus reduced to a monthly benefit of $1,668.00. The benefit amount for case B, assuming that benefits begin exactly at normal retirement age of 66 years and 8 months, is not reduced except for rounding down to the next lower dollar. The $3,822.80 PIA is thus reduced to a monthly benefit of $3,822.00. In addition to case B, we also have other benefit examples for workers whose earnings have equalled or exceeded maximum taxable amounts. These examples show AIME and benefit amounts for retirement at ages 62, 65, 66, 67, and 70. Two Other Methods Two other methods for computing a PIA have limited applicability. Relatively few new beneficiaries qualify for these two other methods. https://www.ssa.gov/oact/progdata/retirebenefit2.html
应该是下面这个算法 Calculate benefit The benefit is the sum of the following elements: 90% of the first $1,174 of AIME 32% of earnings between $1,174 and $7,078 15% of earnings above $7,078
应该是下面这个算法 Calculate benefit The benefit is the sum of the following elements: 90% of the first $1,174 of AIME 32% of earnings between $1,174 and $7,078 15% of earnings above $7,078
夜风惊扰我 发表于 2024-08-16 17:36 应该是下面这个算法 Calculate benefit The benefit is the sum of the following elements: 90% of the first $1,174 of AIME 32% of earnings between $1,174 and $7,078 15% of earnings above $7,078
A$5,321$1,174$7,078.9(1174) + .32(5321 - 1174) = $2,383.64 B10,9119605,785.9(960) + .32(5785 - 960) + .15(10911 - 5785) = $3,176.90 Because the worker in case A is first eligible for benefits in 2024, and also retires in 2024, there are no applicable cost-of-living adjustments, or COLAs, to the amount computed above. Therefore, the case-A PIA is the case A amount computed above truncated to the next lower dime, or $2,383.60. The worker in case B is first eligible in 2020 (the year case B reached age 62). Thus the case-B PIA is the case B amount computed above truncated to the next lower dime and increased by cost-of-living adjustments, or COLAs, for 2020 through 2023. These COLAs are 1.3 percent, 5.9 percent, 8.7 percent, 3.2 percent, respectively. The resulting PIA is $3,822.80. Benefit Based on PIA and Age The amount of retirement benefits paid depends on a person''''s age when he or she begins receiving benefits. We reduce benefits taken before a person''''s normal (or full) retirement age and we increase benefits taken after normal retirement age. We assume the worker in case A begins receiving benefits at the earliest possible age, which is age 62. Because case A''''s normal retirement age is 67 years, the benefit amount for case A is reduced for 60 months of early retirement. The $2,383.60 PIA is thus reduced to a monthly benefit of $1,668.00. The benefit amount for case B, assuming that benefits begin exactly at normal retirement age of 66 years and 8 months, is not reduced except for rounding down to the next lower dollar. The $3,822.80 PIA is thus reduced to a monthly benefit of $3,822.00. In addition to case B, we also have other benefit examples for workers whose earnings have equalled or exceeded maximum taxable amounts. These examples show AIME and benefit amounts for retirement at ages 62, 65, 66, 67, and 70. Two Other Methods Two other methods for computing a PIA have limited applicability. Relatively few new beneficiaries qualify for these two other methods.
https://www.ssa.gov/oact/progdata/retirebenefit2.html
哦哦 那岂不是说如果收入超过4768对社保就没什么帮助了？ 4768*12=60000左右?
还有 社保钱需要交税吗？
谢谢科普。真是太详细了。
有一个问题。如果某年W2的收入超过了SS tax的限额，计算时是按W2收入，还是按SS tax限定的最高收入？
这个解释的好。有点疑问，我觉得这个算法是按年算的。比如这一年第一个月收入6万，那么这一年就算满了。而不是只算第一个月收入，其它月按0收入
谢谢层主的详细信息。这个35年最高收入，是每年实际收入，还是每年不超过social security tax cap的收入，比如今年是16万8？
按照交ss的收入。 ss也是一种tax， 交多了也是做贡献， 不是proportionately 多缴多得。
应该是下面这个算法
Calculate benefit The benefit is the sum of the following elements: 90% of the first $1,174 of AIME 32% of earnings between $1,174 and $7,078 15% of earnings above $7,078
如果当平均年收入是 12万（每月1万） 那就是 (1174) * 0.9 + (7078 - 1174) * 0.32 + (10000-7078) * 0.15 = 3384
如果在 SS 官网上填上面的数字， 估计的会比上面的有几百块的分别。 可能跟年龄有关。
点数只是说你可以领， 具体金额当然要看你工资和工作多少年。 金额差别应该是蛮大的， 你相像一下10/35 和35/35 的差别。
791*0.9=711 (3978-791)*0.3=1019 (4768-3978)*0.15=118 超过4768 不予计算，那能拿到的退休金最多才$1848,干35年太惨了 现在通胀这么厉害，$4768每月的中位数都算不上，超过就不予计算了啊，那月薪3万的不亏死
不能这么低吧？我记得最高可以三四千啊
超过的部分你也并没有交social security tax啊，谈不上惨不惨的
ssn交税上限都十六七万了吧，怎么可能年薪超过5万的没交税。
35年
第一个八万五对应三千ss 第二个八万也就对应一千ss了
谢谢分享
那mm有好的建议靠什么吗？ 对于工薪中产？
刚搜了下，已经要根据35年最高收入。太黑了