I am using the Quick Calculator Benefit Estimates from SS site to estimate what I would get at 70:
Estimated Social Security Benefit
I am 59 now. Plan to retire this year, though this is my 2nd OMY already and not exactly early retirement anymore. I have total 28 years of SS contribution (was a poor foreign student). First 9 years are below SS limit of those years. Later 19 years are at SS limit (2014 limit is $117,000 for example).
I put $0 for 2015 and beyond. I am getting $36K annual benefit at age 70 if stop work at 59 now. If I use another SS Retirement Estimator: Retirement Estimator
, I would get more, so I do not use that number.
I have no reference point; no other friends in my similar situation. Maybe some of the board members are similar to mine, and can double check yours, to see if the $36K is in the ballpark?