Social Security Benefit at Age 72: Average Amount
In the United States, Social Security retirement benefits are calculated based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). As of the end of June 2025, the average Social Security retirement benefits at different ages are as follows:
- At age 65, the average benefit stands at $1,613 for all recipients, with men receiving $1,782 and women $1,458.
- By age 67, these figures rise to $1,963, $2,176 for men, and $1,752 for women.
- At age 70, the benefits reach $2,188 for all recipients, $2,431 for men, and $1,948 for women.
- At age 72, the average benefit is $2,139 for all recipients, $2,362 for men, and $1,919 for women.
- By age 75, the average benefit increases to $2,085 for all recipients, $2,296 for men, and $1,880 for women.
- At age 80, the average benefit is $2,038 for all recipients, $2,237 for men, and $1,850 for women.
- At age 85, the average benefit drops slightly to $1,990 for all recipients, $2,170 for men, and $1,831 for women.
For the year 2025, the average Social Security retirement benefit amounts to approximately $24,000.
It's important to note that women receive less Social Security retirement benefits than men, potentially due to lower earnings and time spent out of the workforce. This trend is also observed in Germany, where the average monthly statutory pension payment for 70-year-old female retirees in 2025 is approximately 903 euros gross, notably lower than the average male pension of 1,346 euros and the overall average pension of about 1,100 euros gross per month in 2025.
Retirees who claim Social Security benefits early receive smaller monthly checks, while those who delay retirement can receive larger benefits. The Consumer Price Index for the Elderly (CPI-E), which weighs categories such as healthcare and housing more heavily, could be a better measure for Social Security cost-of-living adjustments (COLAs). As of July 2025, the average monthly Social Security retirement benefit stands at $2,007.
These figures provide a snapshot of Social Security retirement benefits in the United States as of the end of June 2025. It's essential for retirees to understand these figures to plan their retirement income effectively.
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