Social Security Claiming Calculator — Age 62 or Age 70?

How to use

1. Open this page on any device — no signup needed.
2. Fill in the fields above.
3. Get your result instantly — nothing is uploaded.

About this tool

Claim at 62 and your benefit is cut about 30% below Full Retirement Age (67 for most); every year you delay past FRA adds 8% in delayed retirement credits up to 70 (+24%). Monthly-vs-lifetime math depends heavily on lifespan — this calculator shows monthly benefits at each age AND cumulative lifetime totals so the break-even (~80–83) is visible, not guessed.

FAQ

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