Do you know if the SS ANYPIA calculator can show the SS Benefit for any month beyond January of the year input for starting the benefit?

Hi. No, I'm not familiar with any of the various online Social Security benefit calculators other than the one that's included in our software (https://maximizemysocialsecurity.com/purchase). What I can tell you is that primary insurance amounts (PIA) don't change within the same calendar year. A person's PIA for retirement benefits is calculated or recalculated effective with January, and that calculation is based on the person's highest 35 years of Social Security covered wage-indexed earnings leading up to that year. PIAs can be recalculated to include a subsequent year of higher earnings, but such recalculations don't become effective until January of the year that follows the higher year of earnings.

For example, say that Bob's full retirement age (FRA) is July 2021. Bob's FRA PIA would be calculated based on his highest 35 years of Social Security covered wage-indexed earnings through the year 2020, and that PIA would first apply effective January 2021. However, Bob would not receive his full PIA if he starts drawing benefits effective with January 2021 because his benefit rate would then be reduced for age. To get his full PIA, Bob would need to start his benefits effective with July 2021. In other words, Bob's PIA would be the same throughout the year of 2021, but his actual monthly benefit rate would depend on which month he starts drawing benefits.

If Bob's 2021 earnings are higher than one of his previous highest 35 earnings years then his PIA could be recalculated effective with January 2022, and so on in subsequent years. Our software allows users to enter projected future year earnings so that they can gauge the effect of those earnings on their benefit rate. You may want to strongly consider using our software to get accurate benefit estimates and to fully analyze the filing options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry