Retirement Social Security

This Is the Average Social Security Benefit for Someone Age 67

Here's what 67-year-olds can expect from Social Security this year.

By David Maina

Edited by Andrea Basse

Updated Nov. 7, 2025

At age 67, many Americans are old enough to enjoy freedom from the daily grind, but still active enough to plan for decades ahead. In Social Security terms, it's a milestone that carries real weight.

For anyone born in 1960 or later, 67 marks full retirement age (FRA), essentially the point when you can receive 100% of the benefits you've earned.

Below, we share the average benefit at 67 and how it fits into a solid income plan, so you can make the right moves for a steady retirement.

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How much does the average 67-year-old get from Social Security?

At age 67, the average Social Security payment is roughly $2,163 each month, which works out to nearly $26,000 a year. Men receive about $2,393 per month on average, and women around $1,915, showing a noticeable gap by gender.

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How much better are Social Security benefits once you hit 67?

The average benefit at 67 usually lands above the typical retired-worker check. In August 2025, retired workers as a group averaged about $2,008 per month.

Many people file before full retirement age, which pulls the group average down. Filing at 67 avoids that early-claim reduction, so your number often looks stronger than the overall average.

What's the largest benefit a 67-year-old can receive in 2025?

According to the Social Security Administration (SSA), the maximum monthly benefit at full retirement age in 2025 is $4,018 for someone who earned the maximum taxable income every year for 35 years. It's an individual cap, not a combined amount for couples.

For context, the maximum at 70 in 2025 is $5,108, and at 62 it's $2,831. Your own benefit depends on your earnings record and the age you claim.

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Why most people don't get the maximum benefit

Very few retirees hit the $4,018 max at 67. This is because you must earn at or above Social Security's wage base every single year for 35 years and file at full retirement age.

If you fall short in even one of those years, whether by earning less, changing jobs, or taking time off, your average indexed earnings drop, and so does your benefit. Most workers have at least a few lower-earning years, which is why the maximum is rare.

Is it smarter to take Social Security early or hold out for a bigger check?

Timing your claim is one of the biggest retirement decisions you'll make. There's a clear give-and-take:

Claim early (as soon as 62) and you'll get checks sooner, but each payment is permanently smaller.
Claim at 67 to receive 100% of your benefit with no reduction or bonus.
Delay to 70 and your monthly check grows about 8% per year after 67, up to roughly 24% more.

If you're in good health and can cover expenses from savings or work, filing closer to 70 often produces more lifetime income for you. But if you need the income sooner, or face health challenges, claiming early ensures you start collecting right away.

What's the best way to find out your future Social Security payment?

The Social Security Administration makes it easy to see what your benefit could look like at different ages. The first step is to open a free "my Social Security" account.

Once you're signed in, you can check your earnings history and view your personalized Social Security Statement. That statement shows estimated benefits for age 62, full retirement age (67 for most people today), and age 70.

For a deeper look, the SSA's Retirement Calculator lets you run your own scenarios. You can enter your actual earnings, or let the system fill them in automatically, and then compare projected monthly benefits at different claiming ages.

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How much of your Social Security benefit is taxable at 67?

Social Security benefits can be taxable depending on your combined income, which includes your adjusted gross income (AGI), half of your Social Security benefits, and any tax-exempt interest you receive.

For single filers, a combined income between $25,000 and $34,000 makes up to 50% of your benefits taxable. Above $34,000, as much as 85% of your benefits can be taxed.

For married couples filing jointly, the thresholds rise slightly. Between $32,000 and $44,000, up to 50% of benefits may be taxable, and above $44,000, up to 85% may be taxable.

Many moderate-income retirees pay little or no federal tax on their benefits, but higher-income retirees can end up paying tax on most of their Social Security.

Can your retirement savings lower your Social Security payments?

Withdrawals from traditional IRAs, 401(k)s, and pensions count as ordinary income. The IRS adds that income to half of your Social Security benefits and any tax-exempt interest to calculate your combined income. Once that total crosses certain thresholds, up to 85% of your Social Security benefits can become taxable.

Roth accounts work differently. Qualified withdrawals from a Roth IRA or Roth 401(k) don't count toward combined income. Using Roth funds for some of your expenses can help keep more of your Social Security payments out of the taxable range.

Bottom line

At age 67, you've put in the work, built your experience, and earned the right to slow down a little. This is when years of contributions begin turning into steady income you can count on.

That's why it's worth knowing exactly what Social Security provides at this age. You should understand how your benefit compares to claiming earlier or waiting longer, and how it fits with your own savings and retirement plan. With that clarity, you can make the claim-or-wait decision that best supports your goals.

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