---
title: "Social Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%)."
method: POST
path: "/v1/retirement/social-security"
tags: ["Retirement"]
---

# Social Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%).

`POST /v1/retirement/social-security`

## Request

- Base URL: `` (relative, and it does not resolve against the document’s source URL)
- URL: `/v1/retirement/social-security`
- Auth: none declared

Social Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%).

Payment: x402 ($0.25 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: PIA = 90% of AIME to bend1 ($1,286) + 32% to bend2 ($7,749) + 15% above, floored to a dime; benefit = PIA × claim-age factor (early: 5/9%/mo then 5/12%/mo; delayed: 2/3%/mo), floored to a dollar

## Request body

- object
  - `aime` number, required: Average Indexed Monthly Earnings
  - `claimAge` number

## Response `200`

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

## Other responses

- `400`: Invalid input (no charge) — body echoes the JSON Schema.
- `402`: Payment required — PAYMENT-REQUIRED header carries the x402 accepts[] quote.

---

[API](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents.md) · [All operations](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/llms.txt) · [OpenAPI document](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/revisions/60cb70a3e1a5?raw)