Your actual SS earnings history (2008β2025), AWI-indexed to age-60, and the resulting PIA calculation. Top-35 indexed earnings are averaged into AIME, then the 90/32/15 bend-point formula yields your Primary Insurance Amount.
Earnings are capped at the year's SS wage base before AWI-indexing. Indexed value = min(raw, wageBase) Γ (AWI at age-60 / AWI for that year). Sorted descending β only top 35 count toward AIME.