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Social Security Calculator — When Should You Claim?
Calculate your Social Security benefit at different claiming ages and find your optimal claiming strategy.
Social Security Break-Even Details
$1,800
$
$2,500
$
$3,100
$
58
Results
LiveBreak-Even Age (62 vs 67)
85
Break-Even Age (67 vs 70)73
Total Benefits 62-85 (claim at 62)$496,800
Total Benefits 67-85 (claim at 67)$540,000
Total Benefits 70-85 (claim at 70)$558,000
Break-Even Age (62 vs 67)85
Break-Even Age (67 vs 70)73
Total Benefits 62-85 (claim at 62)$496,800
How to use
Change one assumption at a time to see what moves the answer most.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
Claiming Social Security at 62 vs 70 can be a $200,000+ lifetime difference. Every year you delay past 62 increases your benefit by 6–8%. The break-even analysis shows the age where waiting pays off — and it is usually around 80.
How to Use It
- 1Enter your current age and estimated benefit at full retirement age
- 2Set early and delayed claiming ages to compare
- 3Enter your expected longevity (be honest)
- 4See cumulative lifetime benefits at each claiming age
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