Social Security PIA Calculator (US)

Enter Calculation

Average Indexed Monthly Earnings (AIME, $)

First Bend Point ($)

Second Bend Point ($)

Formula

Results

Primary Insurance Amount (PIA)

$3,684.18

estimated monthly benefit at full retirement age

Tier 1 — 90% of first bend	$1,056.6
Tier 2 — 32% to second bend	$1,889.28
Tier 3 — 15% above second bend	$738.3

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The PIA formula is a piecewise line: 90% up to the first bend point, 32% to the second, then 15%.