The maximum Social Security retirement benefit in 2025 depends on the age at which you claim it:
- At age 62 (the earliest age to claim), the maximum monthly benefit is $2,831.
- At full retirement age (between 66 and 67), the maximum monthly benefit is $4,018.
- At age 70 (the latest age to claim, when delayed retirement credits stop accruing), the maximum monthly benefit is $5,108
To qualify for the maximum benefit, you must have earned the maximum taxable income subject to Social Security taxes for at least 35 years. In 2025, the maximum taxable earnings amount is $176,100. Only lifelong high earners who meet this criterion and delay claiming benefits until age 70 can receive the top monthly amount of $5,108
. The Social Security Administration calculates benefits based on your highest 35 years of indexed earnings, and benefits increase by about 8% per year for each year you delay claiming past full retirement age until age 70. Conversely, claiming early at age 62 reduces your benefit by up to 30% compared to full retirement age
. In summary, the maximum Social Security benefit payable in 2025 is $5,108 per month for those who wait until age 70 to claim and have a qualifying earnings history.
