Social Security trust fund depletion timeline
When will Social Security run out of reserves? The 2026 report distinguishes OASI in 2032 Q4 from hypothetical combined OASDI in 2034 Q3.
OASI, DI and OASDI: three different measures
- 2032 Q4 — OASI: retirement and survivors reserves depleted; continuing income pays 78% of scheduled benefits.
- 2034 Q3 — OASDI: hypothetical combined reserves depleted; 83% payable. This is not an automatic extension of OASI funding.
- 2100: OASI payable share declines to 62%; combined OASDI is 65%. These are different series.
- DI: disability reserves remain sufficient for full scheduled benefits throughout 2026–2100.
2026–2040 annual planning table
Built 2026-11-09 (UTC). Remaining years use the build date for the current-year row and January 1 for other years, divided by 365.2425 and clamped at zero. The official report gives a quarter, not an exact day.
| Year | Years until OASI depletion | Payment status |
|---|---|---|
| 2026 | 5.89 | 100% payable |
| 2027 | 5.75 | 100% payable |
| 2028 | 4.75 | 100% payable |
| 2029 | 3.75 | 100% payable |
| 2030 | 2.75 | 100% payable |
| 2031 | 1.75 | 100% payable |
| 2032 | 0.75 | 100% before depletion; 78% at depletion in Q4 |
| 2033 | 0.00 | 78% payable — fixed-share illustration |
| 2034 | 0.00 | 78% payable — fixed-share illustration |
| 2035 | 0.00 | 78% payable — fixed-share illustration |
| 2036 | 0.00 | 78% payable — fixed-share illustration |
| 2037 | 0.00 | 78% payable — fixed-share illustration |
| 2038 | 0.00 | 78% payable — fixed-share illustration |
| 2039 | 0.00 | 78% payable — fixed-share illustration |
| 2040 | 0.00 | 78% payable — fixed-share illustration |
After 2032, 78% is a constant-share planning illustration using the existing calculator, not the report’s annual forecasts. The actual projected share declines toward 62% by 2100; no annual path is interpolated here.
See your benefit illustration ($2,000/month, claiming in 2035 for 20 years)
Frequently asked questions
Does Social Security run out entirely?
Reserve depletion is not the end of income. Continuing taxes finance part of scheduled benefits; OASI can pay 78% at depletion under the report baseline.
Are OASI, DI and OASDI the same fund?
No. OASI covers retirement and survivors, DI covers disability. OASDI is a hypothetical combined accounting view of two legally separate funds; combining reserves requires legislation.
Is October 1, 2032 the official depletion date?
No. The report gives 2032 Q4. October 1 is our start-of-quarter convention for remaining-time arithmetic, not an official exact day.
Basis: 2026 Trustees Report, intermediate assumptions. Sources and calculation limits · Back to the calculator