Calculator

Social Security calculator

Compare claiming ages from 62 to 70. Use the full-retirement-age benefit shown on your statement at ssa.gov.

Your full retirement age67

Monthly benefit at your claiming age$2,500

Estimated total through age 88$630,000

Claim at	Monthly	Total to 88
62	$1,750	$546,000
63	$1,875	$562,500
64	$2,000	$576,000
65	$2,167	$598,000
66	$2,333	$616,000
67	$2,500	$630,000
68	$2,700	$648,000
69	$2,900	$661,200
70	$3,100	$669,600

How it works

Claiming before full retirement age reduces benefits by 5/9 of 1% per month for the first 36 months and 5/12 of 1% for each month after. Waiting past full retirement age adds 2/3 of 1% per month, up to age 70. Totals are in today's dollars without cost-of-living adjustments, taxes, or spousal and survivor benefits, or the earnings test if you work before full retirement age. Benefit rules can change by law. For your official estimate, use your statement at ssa.gov.

This calculator is a simplified educational illustration based on the assumptions you enter. Results are hypothetical, are not guaranteed, do not represent any specific investment or product, and do not account for every factor in your situation. It is not investment, tax or legal advice, and actual results will differ.