SSA logo: link to Social Security Online home701. How are the Average Monthly Earnings (AME) or the Average Indexed Monthly Earnings (AIME) computed?

To compute your AME or AIME, divide your total earnings in the “computation years” (see §703) by the number of months in those years. The exception is explained in §709. If the result is not an exact multiple of $1, round down to the next lower multiple of $1.