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Here's the Average American's Social Security Benefit by Age in 2026

The age at which you start collecting Social Security has a big impact on your benefits.

By Matt Frankel, CFP – Jan 28, 2026 at 8:08AM EST

The two main factors that determine how much you'll get from Social Security are your income and the age at which you claim benefits. In this video, I'll take a closer look at how age impacts Social Security by explaining the average benefit by age, and I'll explain how early or late retirement can impact your benefits.

*Stock prices used were the morning prices of Jan 22, 2026. The video was published on Jan 23, 2026.

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About the Author

Matt Frankel, CFP
Matt Frankel, CFP, is a contributing Motley Fool stock market analyst and personal finance expert covering financial stocks, REITs, SPACs, and personal finance. Prior to The Motley Fool, Matt taught high school and college mathematics. He holds a bachelor’s degree in physics from the University of South Carolina, a master’s degree in mathematics from Nova Southeastern University, and a graduate certificate in financial planning from Florida State University. He won a SABEW award for coverage of the 2017 Tax Cuts and Jobs Act. He is also regularly interviewed by Cheddar, The National Desk, and other TV networks and publications for his financial, stock market, and investing expertise.
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Matthew Frankel is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through their link they will earn some extra money that supports their channel. Their opinions remain their own and are unaffected by The Motley Fool.

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