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What is the maximum Social Security retirement benefit payable? The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2017, your maximum benefit would be $2,687. However, if you retire at age 62 in 2017, your maximum benefit would be $2,153. If you retire at age 70 in 2017, your maximum benefit would be $3,538.
To get the highest benefit possible at your full retirement age (FRA), your income needs to have been at or above the Social Security earnings ceiling (the amount of income subject to payroll tax) each year for at least 35 years since age 22. The payroll earnings cap is $127,200 in 2017; in 1982, 35 years ago, it was $32,400.