Social Security Break-Even Calculator
Compare claiming Social Security early vs. late — find your break-even age.
Break-Even Age
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Delaying from 62 to 70 increases your monthly benefit by ~77%. Break-even vs claiming at 62: typically age 79–82. If you expect to live past 82, delayed claiming pays more in lifetime benefits. Spousal benefits and survivor benefits add complexity — consult SSA.gov.
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