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Social Security Calculator

Find the best age to claim your Social Security benefits

Your Full Retirement Age (FRA): 67.0 years
Claim AgeMonthly BenefitAnnual BenefitLifetime to 85
62 $1,500$18,000$414,000
63 $1,571$18,854$414,782
64 $1,714$20,569$431,946
65 $1,857$22,284$445,680
66 $2,000$23,999$455,984
67 $2,143$25,714$462,857
68 $2,314$27,771$472,114
69 $2,486$29,829$477,257
70 ⭐$2,829$33,943$509,143

⚖️ Break-Even vs Claiming at 62

Claim at 63: Break even at age 84.1
Claim at 64: Break even at age 78.0
Claim at 65: Break even at age 77.6
Claim at 66: Break even at age 78.0
Claim at 67: Break even at age 78.7
Claim at 68: Break even at age 79.1
Claim at 69: Break even at age 79.7
Claim at 70: Break even at age 79.0

ℹ️ Key Facts

  • • Claiming early reduces benefits permanently by up to 30%
  • • Delaying past FRA increases benefits by 8% per year up to age 70
  • • Spousal benefits can be up to 50% of your partner's benefit
  • • Visit ssa.gov for your actual benefit statement

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⚠️ This is an estimate. Visit ssa.gov for your actual Social Security benefit statement. Not financial advice.