Social Security Calculator — When Should You Claim?
Calculate your Social Security benefit at different claiming ages and find your optimal claiming strategy.
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Coach Insight
Claiming Social Security at 62 vs 70 can be a $200,000+ lifetime difference. Every year you delay past 62 increases your benefit by 6–8%. The break-even analysis shows the age where waiting pays off — and it is usually around 80.
Frequently Asked Questions
Everything you need to know.
Related Calculators
Why This Matters
Claiming Social Security at 62 vs 70 can be a $200,000+ lifetime difference. Every year you delay past 62 increases your benefit by 6–8%. The break-even analysis shows the age where waiting pays off — and it is usually around 80.
How to Use It
- 1Enter your current age and estimated benefit at full retirement age
- 2Set early and delayed claiming ages to compare
- 3Enter your expected longevity (be honest)
- 4See cumulative lifetime benefits at each claiming age
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