Social Security claiming age calculator
Full retirement age: 67. Born January 1? Enter the year before.
From your Social Security Statement at ssa.gov/myaccount.
Totals count benefits up to this birthday. At 62, life expectancy is about 82 for men and 85 for women.
Ages to compare, from 62 to 70 by year and month
Claim at (age 1 to compare)
70% of your full benefit: $1,400 a month.
Or at (age 2 to compare)
100% of your full benefit: $2,000 a month.
Or at (age 3 to compare)
124% of your full benefit: $2,480 a month.
Claiming at 70 pays the most by 85
You'd get $2,480 a month, 124% of your full benefit, and collect $446,400 by 85 in today's dollars. Claiming at 62 pays $1,400 a month and $386,400 by 85; waiting catches up at 80 and 5 months. Claiming at 67 pays $2,000 a month and $432,000 by 85; waiting catches up at 82 and 6 months. Live past a break-even age and the later claim stays ahead for life.
- Claim at 62
- $1,400 a month
- 70% of your full benefit
- $386,400 by 85
- Claim at 67
- $2,000 a month
- 100% of your full benefit
- $432,000 by 85
- Claim at 70Most by 85
- $2,480 a month
- 124% of your full benefit
- $446,400 by 85
When waiting pays off
- Claim at 67 instead of 62: ahead from 78 and 8 months
- Claim at 70 instead of 62: ahead from 80 and 5 months
- Claim at 70 instead of 67: ahead from 82 and 6 months
Year-by-year table
| By age | Claim at 62 | Claim at 67 | Claim at 70 |
|---|---|---|---|
| 62 | $0 | $0 | $0 |
| 63 | $16,800 | $0 | $0 |
| 64 | $33,600 | $0 | $0 |
| 65 | $50,400 | $0 | $0 |
| 66 | $67,200 | $0 | $0 |
| 67 | $84,000 | $0 | $0 |
| 68 | $100,800 | $24,000 | $0 |
| 69 | $117,600 | $48,000 | $0 |
| 70 | $134,400 | $72,000 | $0 |
| 71 | $151,200 | $96,000 | $29,760 |
| 72 | $168,000 | $120,000 | $59,520 |
| 73 | $184,800 | $144,000 | $89,280 |
| 74 | $201,600 | $168,000 | $119,040 |
| 75 | $218,400 | $192,000 | $148,800 |
| 76 | $235,200 | $216,000 | $178,560 |
| 77 | $252,000 | $240,000 | $208,320 |
| 78 | $268,800 | $264,000 | $238,080 |
| 79 | $285,600 | $288,000 | $267,840 |
| 80 | $302,400 | $312,000 | $297,600 |
| 81 | $319,200 | $336,000 | $327,360 |
| 82 | $336,000 | $360,000 | $357,120 |
| 83 | $352,800 | $384,000 | $386,880 |
| 84 | $369,600 | $408,000 | $416,640 |
| 85 | $386,400 | $432,000 | $446,400 |
Your benefit at every age from 62 to 70
| Claim at | Share of full benefit | A month | By 85 | Beats claiming at 62 from |
|---|---|---|---|---|
| 62 | 70% | $1,400 | $386,400 | — |
| 63 | 75% | $1,500 | $396,000 | 77 |
| 64 | 80% | $1,600 | $403,200 | 78 |
| 65 | 86.7% | $1,733 | $415,920 | 77 and 8 months |
| 66 | 93.3% | $1,866 | $425,448 | 78 and 1 month |
| 67 · full retirement age | 100% | $2,000 | $432,000 | 78 and 8 months |
| 68 | 108% | $2,160 | $440,640 | 79 and 1 month |
| 69 | 116% | $2,320 | $445,440 | 79 and 8 months |
| 70 | 124% | $2,480 | $446,400 (the most) | 80 and 5 months |
Your own retirement benefit only, in today's dollars: cost-of-living adjustments raise every claiming age by the same share from 62 on. Spousal and survivor benefits follow their own rules, and taxes are not included.
Social Security claiming age calculator by Points Frog ↗ · An educational estimate, not financial advice.