Social Security retirement benefits
Monthly retirement income based on your work record, starting as early as 62.
How much people receive
Maximum$4,152 a monthat full retirement age, 2026
Average$2,071 a monthaverage retired worker, 2026
Source: Social Security Administration. Your amount depends on your income, household and situation, and many people receive less than the maximum.
Goes to SSA.gov. Applying is free.
Who generally qualifies
People 62 and older who worked and paid Social Security taxes long enough.
Exact income limits and rules are set by Social Security Administration and can change. Check the official site for current details.
How to apply
- Create a my Social Security account to see your estimate.
- Apply online up to 4 months before you want payments to start.
What to have ready
- Social Security number
- Bank account for direct deposit
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. This is free money that does not need to be paid back, as long as the information you give is accurate.
- Who decides if I qualify?
- Social Security Administration makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check SSA.gov for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with Social Security Administration.