What Is My Full Retirement Age

67 is the full retirement age for individuals born in 1960 or later.

If you were born before 1960, your full retirement age may be slightly different.

• For those born between 1943 and 1954, the full retirement age is 66.
• For those born in 1955, the full retirement age is 66 and 2 months.
• For those born in 1956, the full retirement age is 66 and 4 months.
• For those born in 1957, the full retirement age is 66 and 6 months.
• For those born in 1958, the full retirement age is 66 and 8 months.
• For those born in 1959, the full retirement age is 66 and 10 months.
• For those born in 1960 or later, the full retirement age is 67.

What is my full retirement age date range? 

In the past, full retirement age would always coincide with a birthday. But as the full retirement age has gradually changed, many individuals have wondered about their actual date of full retirement age attainment. 

Here’s the short summary:

• Full retirement age 1955 birth year – Reach FRA from 3/2/2021 through 3/1/2022
• Full retirement age 1956 birth year – Reach FRA from 5/2/2022 through 5/1/2023
• Full retirement age 1957 birth year – Reach FRA from 7/2/2023 through 7/1/2024
• Full retirement age 1958 birth year – Reach FRA from 9/2/2024 through 9/1/2025
• Full retirement age 1959 birth year – Reach FRA from 11/2/2025 through 11/1/2026
• Full retirement age 1960 birth year – Reach FRA from 1/2/2027 through 1/1/2028

Knowing when you reach full retirement age is critical to understanding how your benefit will be reduced or increased for filing early or later. This is because your benefit is increased (for filing after full retirement age) or decreased (for filing before full retirement age) on a monthly basis.

When considering the right age to file for your own Social Security, you should consider the 10 factors that must be a part of this decision. Check out my article How To Determine the Right Age to Collect Social Security.