Social Security Calculator

Compare claiming strategies and find your optimal age to start benefits

Your data stays private. Nothing is stored or sent to our servers.
Your Information
$
Find this on your SSA.gov statement
75 85 100
$
Enter your details to compare strategies

See how claiming at different ages (62-70) affects your monthly benefit and lifetime total.

How Claiming Age Affects Benefits

Your Full Retirement Age (FRA) is 67 if you were born in 1960 or later. You can claim as early as 62 or as late as 70.

  • Claiming at 62: Benefits reduced by ~30% permanently
  • Claiming at 67 (FRA): Full benefit amount
  • Claiming at 70: Benefits increased by ~24% (8% per year of delay)

The best age depends on your health, other income sources, and whether you have a spouse. Use this calculator to compare.

Model how Social Security fits into your full retirement plan

Bullseye projects Social Security alongside your investments, taxes, and withdrawals year-by-year.

Try Bullseye Free