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Average Indexed Monthly Earnings (AIME): Definition and Overview

By Matthew Frankel, CFPUpdated Dec 30, 2024 at 1:26 PM

Key Points

  • AIME calculates Social Security benefits using inflation-adjusted average earnings from the top 35 earning years.
  • The year you turn 62 sets the indexing factors used for calculating your AIME, influencing your benefits.
  • Increasing your AIME can result in higher Social Security benefits by strategically boosting your earnings in top years.

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