A person born in 1958 who retires in 2025 can receive a maximum Social Security benefit of $4,018 per month if they retire at their full retirement age (66 years and 8 months), $2,831 per month if they claim at age 62, or $5,108 per month if they wait until age 70. The specific maximum amount depends on the exact retirement age and having consistently earned the maximum taxable income throughout their career.
Social Security benefit by retirement age in 2025
- At age 62: The maximum monthly benefit is $2,831.
- At full retirement age (66 years and 8 months): The maximum monthly benefit is $4,018.
- At age 70: The maximum monthly benefit is $5,108.
