$4,194
Your Social Security retirement income is based on many circumstances, the time when you decide to retire included. Although you can claim your retirement benefits as early as age 62, the full retirement age (also called FRA) for most Americans is age 67.
Keep in mind that FRA depends on your birth year. You can use this Retirement Age Calculator provided by Social Security Administration to find your full retirement age.
You can also start your benefits even longer and wait until age 70. By doing this, Social Security will raise the amount of your payout by 8% each year from age 67 to 70. For instance, for those who max out their earnings while still working, the highest Social Security retirement income in 2022 is $4,194.
NJ should be on your list of “12” as Social Security is taxed federally.