Hey Shanna, The above advice is all great and definitely have a go with the calculator radram provided. I just wanted to add that you and your husband are likely too far out from collection age to really get an accurate idea what that income stream will be. I'm just inferring that you are both about 40 years old. I am 58.5 and hope to hold off on collecting until I am 70, but the amount of my SS payment is still something of a moving target. There are different inflation indexing factors for each new year and, assuming inflation isn't zero for 2017, even the effect of this year's inflation number will "ripple back" through all of the indexing factors from the year you and your husband started working.
Others will disagree with me on this, but I think it's also prudent to assume that the SS program will not look the same 30-50 years down the line. It may be means tested, reduced or even eliminated by then. We just don't know. In your posisition, I would just think of it as an unknown for now and then re-evaluate that position every five years or so. Even at my age, I am figuring on only getting maybe 75% of what the calculators tell me.
When you get closer to being eligible to collect, there will doubtlessly be new, current literature on the subject. I believe the best so far is the book Get What's Yours which came out a couple of years ago. But even that book (don't know if there's been a 2nd edition yet) is already out of date because Congress got rid of the "file and suspend" loophole last year.
The 90%, 32% and 15% multipliers that maizeman explained are called "bend points". All that really means is that every dollar that is earned after you pass a bend point has much less of an effect (could be nothing depending on your numbers) than dollars earned earlier in your career.