2026 Social Security Full Retirement Age Chart
Your full retirement age (FRA) depends on your birth year, not the year you retire. See the official SSA table below, then open your birth-year guide for the exact claiming percentages, RMD start age, and Medicare milestone.
IndependentFreeNo sign-upSources: Social Security Administration · IRS
Full retirement age by birth year (official SSA table)
| Birth year | Full retirement age |
|---|---|
| Born 1937 or earlier | 65 |
| Born 1938 | 65 and 2 months |
| Born 1939 | 65 and 4 months |
| Born 1940 | 65 and 6 months |
| Born 1941 | 65 and 8 months |
| Born 1942 | 65 and 10 months |
| Born 1943–1954 | 66 |
| Born 1955 | 66 and 2 months |
| Born 1956 | 66 and 4 months |
| Born 1957 | 66 and 6 months |
| Born 1958 | 66 and 8 months |
| Born 1959 | 66 and 10 months |
| Born 1960 or later | 67 |
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Why full retirement age matters
Claiming before FRA permanently reduces your monthly retirement benefit. Waiting after FRA earns delayed retirement credits until age 70. Medicare eligibility remains age 65 for most people and is a separate decision.
Choose your birth year for a full guide
Each guide below has your exact full retirement age, the calendar months you reach it, the claiming percentage at 62 and 70, your RMD start age under SECURE 2.0, and your Medicare-eligibility year.
- Born 1950 — full retirement age 66
- Born 1951 — full retirement age 66
- Born 1952 — full retirement age 66
- Born 1953 — full retirement age 66
- Born 1954 — full retirement age 66
- Born 1955 — full retirement age 66 and 2 months
- Born 1956 — full retirement age 66 and 4 months
- Born 1957 — full retirement age 66 and 6 months
- Born 1958 — full retirement age 66 and 8 months
- Born 1959 — full retirement age 66 and 10 months
- Born 1960 — full retirement age 67
- Born 1961 — full retirement age 67
- Born 1962 — full retirement age 67
- Born 1963 — full retirement age 67
- Born 1964 — full retirement age 67
- Born 1965 — full retirement age 67
- Born 1966 — full retirement age 67
- Born 1967 — full retirement age 67
- Born 1968 — full retirement age 67
- Born 1969 — full retirement age 67
- Born 1970 — full retirement age 67
- Born 1971 — full retirement age 67
- Born 1972 — full retirement age 67
- Born 1973 — full retirement age 67
- Born 1974 — full retirement age 67
- Born 1975 — full retirement age 67
- Born 1976 — full retirement age 67
- Born 1977 — full retirement age 67
- Born 1978 — full retirement age 67
- Born 1979 — full retirement age 67
Frequently asked questions
What is full retirement age in 2026?
Full retirement age is based on birth year, not the year you claim. It is 66 for people born from 1943 through 1954, rises by two months per birth year from 1955 through 1959, and is 67 for people born in 1960 or later.
What is my full retirement age if I was born in 1958?
If you were born in 1958, your Social Security full retirement age is 66 and 8 months. See the 1958 guide for the exact months, claiming percentages at 62 and 70, and your RMD start age.
What is my full retirement age if I was born in 1960 or later?
Full retirement age is 67 for everyone born in 1960 or later — this is the final step of the phase-in and does not change for later birth years.
Does Medicare eligibility change with Social Security full retirement age?
No. Medicare eligibility remains age 65 for most people. Social Security full retirement age controls retirement-benefit reductions and delayed credits; it is a separate rule.
Can I claim Social Security before full retirement age?
Yes. Retirement benefits can generally start at 62, but claiming before full retirement age permanently reduces the monthly amount. Delaying after full retirement age increases the retirement benefit until age 70.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with the SSA, the IRS, or any government agency. For decisions about your own situation, consider a licensed financial advisor.