C ClaimAge DeskClaim Social Security at 62, 67 or 70?
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Social Security Claiming Age Calculator

Compare claiming at 62, 67 or 70 and see the age where waiting pays off.

🔒 Everything is calculated in your browser. Your numbers never leave your device.

Your benefit

Best claiming age to 8569Lifetime total $697,049
Break-even 62 vs 6781Age when waiting pulls ahead
Break-even 67 vs 7085
Monthly at 62 / 70$1,680 / $2,976Before cost-of-living increases

Cumulative benefits

$0k$322k$643k$965k$1286k626975828895
Claim at 62Claim at 67Claim at 70

By claiming age

AgeMonthly% of fullTotal by 85
62$1,68070%$652,157
63$1,80075%$660,624
64$1,92080%$665,000
65$2,08087%$678,521
66$2,24093%$686,616
67$2,400100%$689,645
68$2,592108%$696,305
69$2,784116%$697,049
70$2,976124%$692,107
  • For people born in 1960 or later (full retirement age 67). Ignores taxes, discounting and spousal benefits. Working before full retirement age can trigger the earnings test.

How it works

  1. Enter your monthly benefit at full retirement age from your SSA statement.
  2. Set the yearly cost-of-living increase.
  3. Set the age you want to plan for.
  4. Read the best claiming age and the break-even ages.

The trade-off

Claiming at 62 gives about 70% of your full benefit. Waiting to 70 gives about 124%. Waiting means collecting fewer checks but larger ones.

Break-even is about health and needs

Break-even ages are usually around the late 70s to early 80s. If you expect a long life or want protection against outliving savings, waiting often helps. Health, spouse benefits and other income matter.

Frequently asked questions

Is the full retirement age always 67?

For people born in 1960 or later. Earlier birth years have a slightly younger full retirement age.

Does it include spousal or survivor benefits?

No. Those can change the best choice for couples.

Are taxes included?

No. Benefits can be partly taxable depending on income.

Is my data saved?

Only in your browser.