{"id":"us-social-security-estimate","summary":"Social Security retirement benefit estimate: AIME over 35 years, 2026 bend points, claiming-age adjustment and the 92.35% self-employment coverage haircut.","method":"POST","inputSchema":{"type":"object","properties":{"averageAnnualEarnings":{"type":"number","description":"Typical covered earnings in current dollars"},"yearsWorked":{"type":"number","description":"Years with covered earnings; under 35 the rest average as zeros"},"claimAge":{"type":"number","description":"Age benefits start, 62 to 70 (default 67)"},"selfEmployed":{"type":"boolean","description":"Applies the 92.35% coverage haircut to net profit"}},"required":["averageAnnualEarnings"]},"exampleInput":{"averageAnnualEarnings":70000,"yearsWorked":30,"claimAge":67,"selfEmployed":true},"exampleOutput":{"coveredEarnings":64645,"zeroYears":5,"aime":4617.5,"pia":2223.48,"claimAdjustmentPct":0,"monthlyBenefit":2223.48,"annualBenefit":26681.760000000002,"replacementRate":0.381168,"eligible":true,"bendPointYear":2026,"rulesChecked":"2026-08","note":"Level earnings in current dollars; SSA indexes past years to average wages. No spousal or survivor adjustments."}}