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Social Security Benefit Estimator
See how your monthly benefit and lifetime payout change depending on when you claim Social Security — from age 62 to 70.
Find this on your SSA.gov account statement
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Frequently Asked Questions
When should I claim Social Security?
Depends on health, other income, and need. Claiming early (62) gives lower monthly benefits but more years of payments. Delaying to 70 gives 76-77% more per month than claiming at 62. The lifetime break-even for delay vs early claiming is typically around age 78-82.
What is the Full Retirement Age for Social Security?
FRA is 66 for those born 1943-1954, and rises to 67 for those born 1960 or later. Claiming before FRA reduces your benefit by up to 30%. Claiming after FRA increases it by 8% per year up to age 70.