Social Security Timing Calculator
Find the optimal age to claim Social Security. Compare lifetime benefits at 62, 67, and 70 with break-even analysis.
67 if born 1960 or later
Find this on your Social Security statement at ssa.gov
Average is 84M / 87F. Use family history.
📋 Key Rules:
- Claiming at 62: Permanently reduced (up to 30% less)
- Claiming at 70: Maximum benefit (+32% above FRA)
- Delayed credits: +8% per year between FRA and 70
- Break-even typically age 80–83
Break-Even vs Age 62
Claim 64 vs 62Break-even at age 78.1
Claim 67 vs 62Break-even at age 78.8
Claim 70 vs 62Break-even at age 80.4
Best Lifetime Total (to age 85)
Claim at Age 70
Lifetime total: $491,088
Monthly Benefit
$2,728
vs FRA Benefit
+24.0%
Claim at 62
$1,540/mo
$425,040 lifetime
-30% vs FRA
Claim at 64
$1,760/mo
$443,520 lifetime
-20% vs FRA
Claim at 67
$2,200/mo
$475,200 lifetime
+0% vs FRA
Claim at 70
$2,728/mo
$491,088 lifetime
+24% vs FRA
Cumulative Benefits Over Lifetime
Dashed line = life expectancy (age 85). Lines crossing indicate break-even points.
Based on 2026 Social Security rules. Does not include COLA adjustments, spousal benefits, or earnings test before FRA. Visit ssa.gov for your official benefit estimate.
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