{"campaignId":"69f89de07afd0dca8daf96b6","campaignVersionId":"6a1ecd7a80077c1070b1e28d","companyId":"67d36b7eb09e66003bf5c777","pageId":"69fd20ffdd439121637fffe2","pageName":"Social Security Calculator","pageSlug":"social-security-benefit-estimate","tag":"interaction","components":[{"_id":"69fd2117cd6054a325f7dda8","type":"component","isTemplate":false,"name":"embed","content":{"body":"&lt;!DOCTYPE html&gt;\n&lt;html lang=&quot;en&quot;&gt;\n&lt;head&gt;\n  &lt;meta charset=&quot;UTF-8&quot; /&gt;\n  &lt;meta name=&quot;viewport&quot; content=&quot;width=device-width, initial-scale=1.0&quot; /&gt;\n  &lt;title&gt;Social Security Income Estimator&lt;/title&gt;\n  &lt;style&gt;\n    :root {\n      --bg:#000000;\n      --panel:#05070c;\n      --panel-2:#0f172a;\n      --text:#f9fafb;\n      --muted:#9ca3af;\n      --accent:#3b82f6;\n      --accent-2:#38bdf8;\n      --danger:#f87171;\n      --warn:#fbbf24;\n      --border:#1f2937;\n      --shadow:0 18px 55px rgba(0,0,0,.45);\n    }\n\n    * { box-sizing:border-box; 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For exact amounts, visit SSA.gov. Income, age, and claim age data not saved.&lt;/p&gt;\n    &lt;/div&gt;\n\n    &lt;div class=&quot;grid&quot;&gt;\n      &lt;div class=&quot;card&quot;&gt;\n        &lt;div class=&quot;section-title&quot;&gt;Your information&lt;/div&gt;\n        &lt;div class=&quot;controls&quot;&gt;\n          &lt;div class=&quot;field income-field&quot;&gt;\n            &lt;label for=&quot;annualIncomeSlider&quot;&gt;Your annual income &lt;span id=&quot;incomeLabel&quot;&gt;$65,000&lt;/span&gt;&lt;/label&gt;\n            &lt;div class=&quot;income-row&quot;&gt;\n              &lt;input id=&quot;annualIncomeSlider&quot; type=&quot;range&quot; min=&quot;0&quot; max=&quot;500000&quot; step=&quot;1000&quot; value=&quot;65000&quot;&gt;\n            &lt;/div&gt;\n          &lt;/div&gt;\n\n          &lt;div class=&quot;field&quot;&gt;\n            &lt;label for=&quot;birthYear&quot;&gt;Birth year&lt;/label&gt;\n            &lt;select id=&quot;birthYear&quot;&gt;&lt;/select&gt;\n          &lt;/div&gt;\n\n          &lt;div class=&quot;field&quot;&gt;\n            &lt;label for=&quot;claimAge&quot;&gt;Claim age&lt;/label&gt;\n            &lt;select id=&quot;claimAge&quot;&gt;&lt;/select&gt;\n          &lt;/div&gt;\n        &lt;/div&gt;\n\n        &lt;div class=&quot;notice&quot;&gt;This version is intentionally simple. It assumes you have a solid long-term work history paying into Social Security.&lt;/div&gt;\n\n        &lt;div class=&quot;actions&quot;&gt;\n          &lt;button class=&quot;primary&quot; type=&quot;button&quot; id=&quot;calcBtn&quot;&gt;Calculate estimate&lt;/button&gt;\n          &lt;div id=&quot;successBox&quot; class=&quot;ss-success&quot;&gt;Updated $65,000&lt;/div&gt;\n        &lt;/div&gt;\n      &lt;/div&gt;\n\n      &lt;div class=&quot;card&quot;&gt;\n        &lt;div class=&quot;section-title&quot;&gt;Estimate&lt;/div&gt;\n        &lt;div class=&quot;result-grid&quot;&gt;\n          &lt;div class=&quot;metric&quot;&gt;&lt;div class=&quot;k&quot;&gt;Estimated monthly benefit&lt;/div&gt;&lt;div class=&quot;v&quot; id=&quot;monthlyBenefit&quot;&gt;$0&lt;/div&gt;&lt;small id=&quot;monthlyNote&quot;&gt;Enter your information to see an estimate.&lt;/small&gt;&lt;/div&gt;\n          &lt;div class=&quot;metric&quot;&gt;&lt;div class=&quot;k&quot;&gt;Estimated annual benefit&lt;/div&gt;&lt;div class=&quot;v&quot; id=&quot;annualBenefit&quot;&gt;$0&lt;/div&gt;&lt;small id=&quot;annualNote&quot;&gt;Planning estimate only.&lt;/small&gt;&lt;/div&gt;\n          &lt;div class=&quot;metric&quot;&gt;&lt;div class=&quot;k&quot;&gt;Full retirement age&lt;/div&gt;&lt;div class=&quot;v&quot; id=&quot;fraLabel&quot;&gt;—&lt;/div&gt;&lt;small id=&quot;fraNote&quot;&gt;Based on your birth year.&lt;/small&gt;&lt;/div&gt;\n          &lt;div class=&quot;metric&quot;&gt;&lt;div class=&quot;k&quot;&gt;Claiming adjustment&lt;/div&gt;&lt;div class=&quot;v&quot; id=&quot;factorLabel&quot;&gt;—&lt;/div&gt;&lt;small id=&quot;factorNote&quot;&gt;Shows the age-based increase or reduction.&lt;/small&gt;&lt;/div&gt;\n        &lt;/div&gt;\n\n        &lt;div id=&quot;messages&quot;&gt;&lt;/div&gt;\n      &lt;/div&gt;\n    &lt;/div&gt;\n  &lt;/div&gt;\n\n  &lt;script&gt;\n    const piaBendPoints={1979:[180,1085],1980:[194,1171],1981:[211,1274],1982:[230,1388],1983:[254,1528],1984:[267,1612],1985:[280,1691],1986:[297,1790],1987:[310,1866],1988:[319,1922],1989:[339,2044],1990:[356,2145],1991:[370,2230],1992:[387,2333],1993:[401,2420],1994:[422,2545],1995:[426,2567],1996:[437,2635],1997:[455,2741],1998:[477,2875],1999:[505,3043],2000:[531,3202],2001:[561,3381],2002:[592,3567],2003:[606,3653],2004:[612,3689],2005:[627,3779],2006:[656,3955],2007:[680,4100],2008:[711,4288],2009:[744,4483],2010:[761,4586],2011:[749,4517],2012:[767,4624],2013:[791,4768],2014:[816,4917],2015:[826,4980],2016:[856,5157],2017:[885,5336],2018:[895,5397],2019:[926,5583],2020:[960,5785],2021:[996,6002],2022:[1024,6172],2023:[1115,6721],2024:[1174,7078],2025:[1226,7391],2026:[1286,7749]};\n\n    function formatMoney(v){ return new Intl.NumberFormat(&#39;en-US&#39;,{style:&#39;currency&#39;,currency:&#39;USD&#39;,maximumFractionDigits:0}).format(v); }\n    function getFraMonths(birthYear){\n      if(birthYear&lt;=1937) return 65*12;\n      if(birthYear===1938) return 65*12+2;\n      if(birthYear===1939) return 65*12+4;\n      if(birthYear===1940) return 65*12+6;\n      if(birthYear===1941) return 65*12+8;\n      if(birthYear===1942) return 65*12+10;\n      if(birthYear&gt;=1943 &amp;&amp; birthYear&lt;=1954) return 66*12;\n      if(birthYear===1955) return 66*12+2;\n      if(birthYear===1956) return 66*12+4;\n      if(birthYear===1957) return 66*12+6;\n      if(birthYear===1958) return 66*12+8;\n      if(birthYear===1959) return 66*12+10;\n      return 67*12;\n    }\n    function formatFra(m){ const y=Math.floor(m/12), mo=m%12; return mo?`${y} years, ${mo} months`:`${y}`; }\n    function eligibilityYear(birthYear){ return birthYear+62; }\n    function bendPointsForYear(year){\n      if(year&lt;=1979) return piaBendPoints[1979];\n      if(year&gt;=2026) return piaBendPoints[2026];\n      return piaBendPoints[year] || piaBendPoints[2026];\n    }\n    function piaFromAime(aime,eligYear){\n      const [b1,b2]=bendPointsForYear(eligYear);\n      return 0.9*Math.min(aime,b1)+0.32*Math.max(0,Math.min(aime,b2)-b1)+0.15*Math.max(0,aime-b2);\n    }\n    function delayedMonthlyRate(birthYear){\n      if(birthYear&lt;=1934) return 11/24/100;\n      if(birthYear&lt;=1936) return 0.5/100;\n      if(birthYear&lt;=1938) return 13/24/100;\n      if(birthYear&lt;=1940) return 7/12/100;\n      if(birthYear&lt;=1942) return 5/8/100;\n      return 2/3/100;\n    }\n    function benefitFactor(claimMonths,fraMonths,birthYear){\n      const earliest=62*12;\n      const latest=70*12;\n      const clamped=Math.min(Math.max(claimMonths,earliest),latest);\n      if(clamped===fraMonths) return 1;\n      if(clamped&lt;fraMonths){\n        const earlyMonths=fraMonths-clamped;\n        const first36=Math.min(36,earlyMonths);\n        const over36=Math.max(earlyMonths-36,0);\n        return 1-(first36*(5/9/100)+over36*(5/12/100));\n      }\n      const drcMonths=Math.min(clamped,latest)-fraMonths;\n      return 1+(drcMonths*delayedMonthlyRate(birthYear));\n    }\n    function estimateAime(annualIncome){\n      const monthlyIncome=annualIncome/12;\n      return monthlyIncome*0.92;\n    }\n    function ageLabelFromMonths(months){\n      const years=Math.floor(months/12);\n      const extra=months%12;\n      return extra?`${years} years, ${extra} months`:`${years}`;\n    }\n    function message(html,kind=&#39;notice&#39;){ return `&lt;div class=&quot;notice ${kind}&quot;&gt;${html}&lt;/div&gt;`; }\n\n    function syncIncome(){\n      let value = Number(els.annualIncomeSlider.value);\n      const min = Number(els.annualIncomeSlider.min);\n      const max = Number(els.annualIncomeSlider.max);\n\n      if(!Number.isFinite(value)) value = 0;\n      value = Math.min(Math.max(value, min), max);\n\n      els.annualIncomeSlider.value = String(value);\n      els.incomeLabel.textContent = formatMoney(value);\n      return value;\n    }\n\n\n\n    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clearResults();\n      const annualIncome=syncIncome();\n      const birthYear=Number(els.birthYear.value);\n      const claimMonths=Number(els.claimAge.value);\n\n      if(!Number.isInteger(birthYear) || birthYear&lt;1900 || birthYear&gt;2100){\n        els.messages.innerHTML=message(&#39;Please enter a valid birth year.&#39;,&#39;danger&#39;);\n        return;\n      }\n      if(!Number.isFinite(annualIncome) || annualIncome&lt;=0){\n        els.messages.innerHTML=message(&#39;Please enter your annual income.&#39;,&#39;danger&#39;);\n        return;\n      }\n\n      const eligYear=eligibilityYear(birthYear);\n      const fraMonths=getFraMonths(birthYear);\n      const aime=estimateAime(annualIncome);\n      const pia=piaFromAime(aime,eligYear);\n      const factor=benefitFactor(claimMonths,fraMonths,birthYear);\n      const monthlyBenefit=pia*factor;\n      const annualBenefit=monthlyBenefit*12;\n      const factorPct=(factor*100).toFixed(1)+&#39;%&#39;;\n      const claimingText=ageLabelFromMonths(claimMonths);\n\n      els.monthlyBenefit.textContent=formatMoney(monthlyBenefit);\n      els.annualBenefit.textContent=formatMoney(annualBenefit);\n      els.fraLabel.textContent=formatFra(fraMonths);\n      els.factorLabel.textContent=factorPct;\n      els.monthlyNote.textContent=`Estimated benefit if you claim at ${claimingText}.`;\n      els.annualNote.textContent=&#39;Estimated monthly amount multiplied by 12.&#39;;\n      els.fraNote.textContent=&#39;This is the age when full retirement benefits are generally available.&#39;;\n      els.factorNote.textContent=factor &lt; 1 ? &#39;Claiming before full retirement age reduces the estimate.&#39; : factor &gt; 1 ? &#39;Waiting past full retirement age increases the estimate.&#39; : &#39;No age adjustment at full retirement age.&#39;;\n\n      const notes=[];\n      notes.push(message(&#39;This estimate assumes a full work history paying into Social Security.&#39;));\n      if(eligYear&gt;2026){\n        notes.push(message(&#39;For younger workers, future Social Security formulas are estimated using the latest published bend points in this version, so treat this as a rough planning number.&#39;,&#39;warning&#39;));\n      }\n      if(claimMonths&lt;fraMonths){\n        notes.push(message(&#39;You selected an early claiming age, so an early-retirement reduction is included.&#39;,&#39;warning&#39;));\n      } else if(claimMonths&gt;fraMonths){\n        notes.push(message(&#39;You selected a later claiming age, so delayed retirement credits are included through your claim age.&#39;,&#39;warning&#39;));\n      }\n      notes.push(message(&#39;For the most accurate number, compare this result with your Social Security statement or SSA online account.&#39;));\n      els.messages.innerHTML=notes.join(&#39;&#39;);\n\n      if(showFeedback){\n        showSuccessUpdate(annualIncome);\n      }\n    }\n\n    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fun-leading-[var(--lh-m)] sm:fun-leading-[var(--lh-t)] md:fun-leading-[var(--lh-d)] fun-tracking-[var(--ls-m)] sm:fun-tracking-[var(--ls-t)] md:fun-tracking-[var(--ls-d)]\" style=\"--fs-m: 40px;--fs-t: 46px;--fs-d: 56px;--lh-m: 1.1;--lh-t: 1.1;--lh-d: 1.1;--ls-m: -0.02em;--ls-t: -0.02em;--ls-d: -0.02em;\"><strong class=\"fun-font-bold\"><strong class=\"fun-font-bold\"><strong class=\"fun-font-bold\">Connect with a Retirement Specialist </strong></strong></strong></span></p>"},"parentId":"69fd43195c3255d63692711d","categoryId":"5a957843b727462286d2d61e","sectionId":"5a957be4a2f9ed33569e4b6e","campaignId":"69f89de07afd0dca8daf96b6","components":[],"allowedChildSections":[],"pageId":"69fd20ffdd439121637fffe2","companyId":"67d36b7eb09e66003bf5c777","componentType":"text","createdAt":"2026-05-08T01:57:45.283Z","updatedAt":"2026-05-08T22:45:58.932Z","__v":0},{"_id":"69fd43195c3255d63692712b","type":"component","isTemplate":false,"name":"text","content":{"kind":[],"box":{"bottom":"small","top":"none","right":"xLarge","left":"xLarge"},"responsive":{"active":false,"hasContainer":true,"options":{"size":[],"offset":[]},"mapping":[]},"align":"left","size":"medium","text":"Das ist ein Text Block für deine Nachricht.","plainText":"Licensed Retirement Plan Specialist CRPS:registered:","color":"transparent","wysiwygHtml":"<p><span style=\"color: #AFAFAF; --fs-m: 20px; --fs-t: 20px; --fs-d: 24px; --lh-m: 1.25; --lh-t: 1.25; --lh-d: 1.25; --ls-m: normal; --ls-t: normal; --ls-d: normal\" class=\"fun-text-[length:var(--fs-m)] sm:fun-text-[length:var(--fs-t)] md:fun-text-[length:var(--fs-d)] fun-leading-[var(--lh-m)] sm:fun-leading-[var(--lh-t)] md:fun-leading-[var(--lh-d)] fun-tracking-[var(--ls-m)] sm:fun-tracking-[var(--ls-t)] md:fun-tracking-[var(--ls-d)]\"><strong class=\"fun-font-bold\">Licensed Retirement Plan Specialist CRPS</strong></span><span style=\"color: #AFAFAF\"><strong class=\"fun-font-bold\"><span style=\"vertical-align:super;font-size:0.6em;\">®</span></strong></span></p><p></p>"},"parentId":"69fd43195c3255d63692711d","categoryId":"5a957843b727462286d2d61e","sectionId":"5a957be4a2f9ed33569e4b6e","campaignId":"69f89de07afd0dca8daf96b6","components":[],"allowedChildSections":[],"pageId":"69fd20ffdd439121637fffe2","companyId":"67d36b7eb09e66003bf5c777","componentType":"text","createdAt":"2026-05-08T01:57:45.283Z","updatedAt":"2026-05-09T16:20:54.438Z","__v":0},{"_id":"69fd43195c3255d63692712c","type":"component","isTemplate":false,"name":"divider","content":{"box":{"bottom":"none","top":"none","right":"xLarge","left":"xLarge"},"responsive":{"active":false,"hasContainer":true,"options":{"size":[],"offset":[]},"mapping":[]},"dashed":false,"hidden":true,"spacings":"small","solid":false,"lineStyle":"hidden"},"parentId":"69fd43195c3255d63692711d","categoryId":"61af39fa0ff35780165e4faa","sectionId":"6557bc5a32dfc44fb3c33ced","campaignId":"69f89de07afd0dca8daf96b6","components":[],"allowedChildSections":[],"pageId":"69fd20ffdd439121637fffe2","companyId":"67d36b7eb09e66003bf5c777","componentType":"divider","createdAt":"2026-05-08T01:57:45.283Z","updatedAt":"2026-05-08T01:57:45.283Z","__v":0},{"_id":"69fd43195c3255d63692712d","type":"component","isTemplate":false,"name":"reviews","content":{"images":["https://perspective.imgix.net/6826856f8ac55d003b2e513e.jpg"],"align":"left","color":"#FACC15","showImages":true,"showStars":false,"rating":5,"box":{"left":"medium","right":"medium","top":"medium","bottom":"medium","backgroundColor":"transparent"},"plainText":"Helping clients retire with confidence","wysiwygHtml":"<p><span style=\"color: #AFAFAF; --fs-m: 18px; --fs-t: 18px; --fs-d: 20px; --lh-m: 1.5; --lh-t: 1.5; --lh-d: 1.25; --ls-m: normal; --ls-t: normal; --ls-d: normal\" class=\"fun-text-[length:var(--fs-m)] sm:fun-text-[length:var(--fs-t)] md:fun-text-[length:var(--fs-d)] fun-leading-[var(--lh-m)] sm:fun-leading-[var(--lh-t)] md:fun-leading-[var(--lh-d)] fun-tracking-[var(--ls-m)] sm:fun-tracking-[var(--ls-t)] md:fun-tracking-[var(--ls-d)]\">Helping clients<strong class=\"fun-font-bold\"> retire </strong>with confidence</span></p>"},"parentId":"69fd43195c3255d63692711d","categoryId":"61af39fa0ff35780165e4faa","sectionId":"66ed272512c0bb2be1cdc269","campaignId":"69f89de07afd0dca8daf96b6","components":[],"allowedChildSections":[],"pageId":"69fd20ffdd439121637fffe2","companyId":"67d36b7eb09e66003bf5c777","componentType":"reviews","createdAt":"2026-05-08T01:57:45.283Z","updatedAt":"2026-05-08T02:00:12.750Z","__v":0},{"_id":"69fd24b1598c0939cd373015","type":"component","isTemplate":false,"name":"questionForm","content":{"kind":[],"box":{"bottom":"medium","top":"large","right":"large","left":"large"},"align":"left","plainText":"Please select your state (takes 2 mins)","fieldName":"question_SSIncome_state_second","wysiwygHtml":"<p><span class=\"fun-text-[length:var(--fs-m)] sm:fun-text-[length:var(--fs-t)] md:fun-text-[length:var(--fs-d)] fun-leading-[var(--lh-m)] sm:fun-leading-[var(--lh-t)] md:fun-leading-[var(--lh-d)] fun-tracking-[var(--ls-m)] sm:fun-tracking-[var(--ls-t)] 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→","clickId":"button_click_s6gzv8","animation":"jittery","backgroundColor":"linear-gradient(165deg, RGBA(75, 185, 247, 1) 0%, rgba(0, 102, 255, 1) 100%)","fullWidthOnDesktop":true,"wysiwygHtml":"<p><span class=\"fun-text-[length:var(--fs-m)] sm:fun-text-[length:var(--fs-t)] md:fun-text-[length:var(--fs-d)] fun-leading-[var(--lh-m)] sm:fun-leading-[var(--lh-t)] md:fun-leading-[var(--lh-d)] fun-tracking-[var(--ls-m)] sm:fun-tracking-[var(--ls-t)] md:fun-tracking-[var(--ls-d)]\" style=\"--fs-m: 20px;--fs-t: 20px;--fs-d: 24px;--lh-m: 1.25;--lh-t: 1.25;--lh-d: 1.25;--ls-m: normal;--ls-t: normal;--ls-d: normal;\"><strong class=\"fun-font-bold\">Continue </strong></span><span class=\"fun-text-[length:var(--fs-m)] sm:fun-text-[length:var(--fs-t)] md:fun-text-[length:var(--fs-d)] fun-leading-[var(--lh-m)] sm:fun-leading-[var(--lh-t)] md:fun-leading-[var(--lh-d)] fun-tracking-[var(--ls-m)] sm:fun-tracking-[var(--ls-t)] md:fun-tracking-[var(--ls-d)]\" style=\"--fs-m: 24px;--fs-t: 30px;--fs-d: 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