Social Security Claiming Age Calculator
Should you claim at 62, full retirement age, or 70? Enter your benefit to compare monthly income at each age — and the break-even age.
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This is your monthly "primary insurance amount" (PIA) at full retirement age.
Claiming early vs late
Your benefit changes a lot depending on when you start:
- Claim at 62: permanently reduced (about −30% if your FRA is 67).
- Claim at FRA (67): 100% of your benefit.
- Wait until 70: delayed credits add 8%/year (about +24%).
Waiting gives a bigger monthly check, but you collect fewer years. The break-even age tells you when waiting pulls ahead — roughly your early 80s. Live longer than that and patience pays.
Related calculators
- Social Security Tax Calculator → — how much of your benefit is taxable
- Medicare IRMAA Calculator →
- RMD Calculator →
Estimates based on SSA early-claiming reductions and delayed retirement credits. Ignores cost-of-living adjustments, taxes, spousal/survivor benefits, and earnings-test rules. Not financial advice. Use your official SSA statement for your exact PIA.