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Average Indexed Monthly Earnings (AIME): Definition and Overview

By Matthew Frankel, CFPUpdated Nov 23, 2025 at 4:12 PM
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Key Points

  • Social Security benefits use AIME, which averages your top 35 earnings years.
  • AIME is adjusted for inflation using specific yearly indexing factors.
  • Higher AIME leads to greater Social Security benefits at retirement.

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