At 46, Social Security will likely exist when it's your turn to collect. The bad news, at that point, the trust fund is anticipated to be depleted and the payout, without funding changes, is likely to be around 75 percent of the number shown. Also, that number assumes you will work to full retirement age. There are tools on the SSA website for you to estimate your annuity assuming later years of zero earned income.
You can use this information in several of the various retirement calculators - Fidelity has one, there is fire calc and its' derivative, Cfiresim, plus many others to choose from.
In your shoes, I would probably concentrate on loading up your retirement accounts starting now so that you are prepared for whatever Social Security throws you. At any age, the time to retirement is largely governed by your savings rate.
