Social Security Timing Calculator

Find the optimal age to claim Social Security benefits.

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Claiming Age

Enter your estimated monthly benefit at FRA and life expectancy.

Best claiming age
Age 67
Max lifetime benefits: $0
At 62 (early)
$0/mo
At 67 (FRA)
$0/mo
At 70 (delayed)
$0/mo
Lifetime at 62
$0
Lifetime at 67
$0
Lifetime at 70
$0

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Estimated benefit at FRA (67) ($)$2,000
Your life expectancy85
ResultValue
Best claiming ageAge 70
At 62 (early)$1,400/mo
At 67 (FRA)$2,000/mo
At 70 (delayed)$2,480/mo
Lifetime at 62$386,400
Lifetime at 67$432,000

Values shown are produced by this page in your browser; change any input to update them.

How to use the Claiming Age

  1. Estimated benefit at FRA (67) ($) — default $2,000
  2. Your life expectancy — default 85
  3. Press Calculate to update the results instantly.

Frequently asked questions

Sources & references