Social Security Calculator
Compare Social Security benefits at different claiming ages from 62 to 70. See how early or delayed claiming affects your monthly benefit, lifetime total, and break-even age. Enter your estimated benefit at full retirement age from your SSA statement.
Inputs
$
From your SSA statement
$
$
Results
Monthly Benefit
$2,500
Annual Benefit
$30,000
Adjustment from FRA
+0.0%
Lifetime Total (to 85)
$540,000
Monthly Benefit by Claiming Age
Lifetime Benefits by Age 85
Claiming Age Comparison
| Claiming Age | Monthly | Annual | Adjustment | Lifetime (to 85) |
|---|---|---|---|---|
| 62 | $1,750.00 | $21,000.00 | -30.00% | $483,000.00 |
| 63 | $1,875.00 | $22,500.00 | -25.00% | $495,000.00 |
| 64 | $2,000.00 | $24,000.00 | -20.00% | $504,000.00 |
| 65 | $2,166.67 | $26,000.00 | -13.33% | $520,000.00 |
| 66 | $2,333.33 | $28,000.00 | -6.67% | $532,000.00 |
| 67 | $2,500.00 | $30,000.00 | 0.00% | $540,000.00 |
| 68 | $2,700.00 | $32,400.00 | 8.00% | $550,800.00 |
| 69 | $2,900.00 | $34,800.00 | 16.00% | $556,800.00 |
| 70 | $3,100.00 | $37,200.00 | 24.00% | $558,000.00 |