Social Security Claiming Age Calculator

Should you claim Social Security at 62, full retirement age or 70? Compare monthly benefits, lifetime totals and break-even ages.

Year of birth

Monthly benefit at full retirement age

From your Social Security statement at ssa.gov/myaccount (the amount at your full retirement age).

Age you plan to claim

Plus months

Count benefits up to age

How long you expect to collect. Lifetime totals stop here.

Yearly cost-of-living raise (optional)

Leave at 0 to keep everything in today's dollars.

Fill in the form and press Calculate to see your result.