Social Security Calculations

I'll admit, social security benefits calculations have always been a mystery to me; I've never taken time to sit down and calculate my potential benefits.

I'm suprised that, despite only working 22 years in the US, the ESPlanner calculations are showing I'm entitled to maximum benefits. Is that possible, given that for many of the 35 years before taking benefits my income will be $0? I'm assuming that my average income over 22 years is large enough for me to qualify for full benefits. I used my income information from the SSA website, so I know it's correct.

I'm pleasantly surprised by ESPlanner's result.


Thanks for your comment.
We're very convident in our benefit calculations since we agree, within $1 per month, with Social Security's AnyPIA calculator when we make the same assumptions.

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