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What is the maximum Social Security retirement benefit payable? The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2017, your maximum benefit would be $2,687. However, if you retire at age 62 in 2017, your maximum benefit would be $2,153. If you retire at age 70 in 2017, your maximum benefit would be $3,538.
For high earners who enrolled in the program at full retirement age, the maximum benefit will increase by 3.7 percent, from $2,687 a month, or $32,244 a year, to $2,788 a month, or $33,456 a year. But only a handful of people are eligible for the maximum payout: The average Social Security benefit in 2018 will be $16,848 for the year.