Social Security Calculator — Claiming Age & Break-Even (2026)
See your monthly Social Security benefit at every claiming age from 62 to 70, and the break-even age where waiting longer pays off in total dollars.
Your full retirement age: 67. Get your own benefit estimate at ssa.gov/myaccount.
Compare two claiming ages
Monthly benefit by claiming age
| Age | Monthly benefit | % of full benefit |
|---|---|---|
| 62 | $1,680 | 70% |
| 63 | $1,800 | 75% |
| 64 | $1,920 | 80% |
| 65 | $2,080 | 87% |
| 66 | $2,240 | 93% |
| 67FRA | $2,400 | 100% |
| 68 | $2,592 | 108% |
| 69 | $2,784 | 116% |
| 70 | $2,976 | 124% |
Age 62 vs. age 70
Waiting until 70 pays off if you live past age 81 — that's when its higher monthly checks catch up to the head start the earlier claim had. Live longer than that, and waiting wins in total dollars; live a shorter life, and claiming early wins.
Estimate only. Uses the monthly benefit you enter as your Primary Insurance Amount (PIA) — your benefit at full retirement age — and applies Social Security's published early-reduction and delayed-retirement-credit formulas exactly; it doesn't derive your PIA from an earnings history. Assumes no future cost-of-living adjustments (comparing in today's dollars — COLA would raise both an earlier and a later claim similarly, so it doesn't change which age comes out ahead). Doesn't model spousal or survivor benefits, benefit taxation, or the retirement earnings test. The Windfall Elimination Provision and Government Pension Offset, which used to reduce benefits for some pension recipients, were repealed in 2025 and aren't modeled since they no longer apply. Not financial or tax advice.