Social Security Benefit Calculator
Estimate your Social Security benefit at different claiming ages. See how delaying benefits increases your monthly payment and find the break-even age where delayed claiming pays off versus early claiming.
Inputs
$
Monthly benefit at age 67 from SSA statement
%
%
Rate to discount future benefits to present value
Results
Monthly Benefit
$2,500
Change from FRA
+0.0%
Break-Even Age
81
Lifetime Benefits
$685,217
Monthly Benefit by Claiming Age
Cumulative Lifetime Benefits
Benefit Comparison by Claiming Age
| Claiming Age | Monthly | Annual | Lifetime Total | Present Value |
|---|---|---|---|---|
| 62 | $1,750.00 | $21,000.00 | $638,859.11 | $451,538.05 |
| 63 | $1,875.00 | $22,500.00 | $649,011.67 | $465,813.22 |
| 64 | $2,000.00 | $24,000.00 | $655,175.60 | $477,503.39 |
| 65 | $2,166.67 | $26,000.00 | $670,366.25 | $496,111.96 |
| 66 | $2,333.33 | $28,000.00 | $680,326.35 | $511,237.90 |
| 67 | $2,500.00 | $30,000.00 | $685,216.76 | $522,830.92 |
| 68 | $2,700.00 | $32,400.00 | $693,758.92 | $537,475.60 |
| 69 | $2,900.00 | $34,800.00 | $696,420.07 | $547,807.13 |
| 70 | $3,100.00 | $37,200.00 | $693,381.41 | $553,763.27 |
Frequently Asked Questions
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