Business & Finance Personal Finance

How to Calculate Social Security Benefits for Dependents

    Quick Calculator

    • 1). Select the "Quick Calculator" from the benefit calculator menu on the Social Security website. This calculator provides an estimate of your future benefit amount, but is the least accurate of the calculators because it does not pull from your personal records or use extensive earnings information.

    • 2). Enter your birth date and current year earnings, or the amount you expect to earn by the end of the year.

    • 3). Enter the year you expect to retire. Use the "normal or full retirement age" link to determine the year you must retire to receive full benefits.

    • 4). Select the "today's dollar" or "inflated dollar" option and click the "submit request" button. The result is your estimated retirement benefit.

    Online Calculator

    • 1). Select the "Online Calculator" from the Social Security website benefit calculator menu. This calculator provides a more accurate estimate than the quick calculator because you must enter your earnings from each year you have earnings subject to social security tax.

    • 2). Enter your birth date and the age you expect to stop working.

    • 3). Select the dollar value for your estimate.

    • 4). Enter your earnings for each year. Each year, the Social Security Administration sends correspondence that details your earnings. Locate this letter if you have trouble estimating your earnings. If you can't find or misplaced your statement, you may request an additional statement from the Social Security Administration.

    • 5). Enter the income you expect to earn in the current year, and the average amount of income you expect to earn in future years. Click the "Calculate Benefit" button to determine your estimated future benefit amount.

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