tj,
I don’t know your age, but just a quick review. You state that you have 25 years of much higher income. SSA uses your highest 35 years of earnings in the calculation. If the other years are much lower then that will reduce your benefit some. If you only have 29 years total then you would have 6 years of zero plugged into the calculation.
There are calculators in the other replies that will allow you to manually input all your earnings and get a closer estimate.
Also collecting at FRA - probably 67 for you, is the first calculation.
Collecting Early…
“In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month.”
Collecting Later… add about 8% per year for collecting later. From 67 to 70.