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Social Security Calculator

Claim at 62, 67, or 70 — lifetime benefit comparison.

Estimated Monthly Benefit at FRA (67)

Get this from your ssa.gov MyAccount statement.

Life Expectancy

Avg in US: ~79 male, ~82 female. Tilt up if family history is long-lived.

Optimal claim age: 70

$558,000

Claim at 62$483,000

Claim at 67 (FRA)$540,000

Claim at 70$558,000

Monthly: $1750 (62) → $2500 (67) → $3100 (70). Break-even between 62 and 70 is ~age 80. Live past that → wait. Need cash now → claim early.