Social Security benefits play a key role in the retirement income of millions of Americans. That’s why it’s beneficial to get an idea of how much you can expect to receive, so you can begin planning accordingly. Social Security benefits vary widely because much of it depends on your career earnings, but having a gist of the average is helpful.
Here are the average Social Security benefits for ages 62 to 70:
| Age | Average Benefit (Everyone) | Average Benefit (Men) | Average Benefit (Women) |
|---|---|---|---|
| 62 | $1,424 | $1,573 | $1,286 |
| 63 | $1,436 | $1,581 | $1,300 |
| 64 | $1,478 | $1,625 | $1,342 |
| 65 | $1,607 | $1,772 | $1,457 |
| 66 | $1,807 | $1,999 | $1,629 |
| 67 | $2,016 | $2,234 | $1,802 |
| 68 | $2,053 | $2,272 | $1,837 |
| 69 | $2,097 | $2,322 | $1,877 |
| 70 | $2,275 | $2,530 | $2,024 |
Data source: Social Security Administration. Benefits are rounded to the nearest dollar and are as of the end of 2025.
Image source: Getty Images.
The increase in average benefit by age is due to the higher benefit someone receives by delaying claiming benefits, and the annual cost-of-living adjustment (COLA) that increases benefits each year.
Many retirees will find that the average Social Security benefit isn’t enough to cover all of their expenses. In fact, Social Security has made it clear that benefits are not intended to replace 100% of someone’s pre-retirement income. It’s always best to think of Social Security as supplemental income if you can.
