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Social Security Calculator: When to Claim

See your Social Security retirement benefit at every claiming age from 62 to 70, your full retirement age, and the break-even age for waiting.

Your full retirement age (FRA) benefit is your primary insurance amount (PIA). Claiming earlier or later changes it for life:

The break-even age is when the larger, later checks have paid you as much in total as starting earlier.

Frequently asked questions

How much less do I get if I claim Social Security at 62?

If your full retirement age is 67, claiming at 62 pays 70% of your full benefit for life: 20% off for the first 36 months early and 10% for the other 24.

How much more do I get by waiting until 70?

8% for each year after full retirement age. With a full retirement age of 67, that's 124% of your full benefit.

What is the break-even age for Social Security?

Usually around 78 to 81. If you expect to live past it, waiting tends to pay more in total; if not, claiming earlier may.