Social Security Calculator

Compare claiming Social Security at 62, full retirement age, and 70 — see the monthly check, the lifetime totals, and the break-even age where waiting starts to pay off.

$2,500/mo
$500$5,000
2.5%
0%4%
90
75100

Assumes a full retirement age of 67 (born 1960 or later). Delaying past FRA adds 8%/year in delayed retirement credits through age 70.

Claim at 62

$1,750/mo

70% of PIA

Annual
$21,000
Lifetime to 90
$878,982

Claim at FRA (67)

$2,500/mo

100% of PIA

Annual
$30,000
Lifetime to 90
$970,471

Claim at 70

best by 90

$3,100/mo

124% of PIA

Annual
$37,200
Lifetime to 90
$1,011,218
If you live to 90, claim at 70 delivers the most lifetime income — $1,011,218 total. Delaying from 62 to 70 breaks even around age 83; living past it favors waiting.

Break-Even Ages

Age at which the later-claiming strategy's cumulative benefits overtake the earlier one

Earlier ClaimLater ClaimBreak-Even Age
Claim at 62Claim at FRA (67)Age 81
Claim at 62Claim at 70Age 83
Claim at FRA (67)Claim at 70Age 85

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For educational purposes only; not financial advice. Figures assume a full retirement age of 67, level annual COLA, and benefits collected on a single earner's record (no spousal, survivor, or earnings-test adjustments). Your actual PIA and FRA depend on your earnings history and birth year — confirm them at SSA.gov and consult a qualified advisor.

Want the full picture? Read: When to Claim Social Security — 62 vs. 67 vs. 70