Social Security Calculator
Benefit estimate by claiming age.
Enter your values
ⓘ Live results
Results
- Monthly benefit
- $1,470.00
- Change vs full retirement age
- -30%
- Annual benefit
- $17,640.00
- Lifetime total to life expectancy
- $405,720.00
- Benefit if you waited to 70
- $2,604.00
Quick answer
Claiming before full retirement age cuts benefits up to 30%; delaying to 70 raises them about 8% per year.
How to use the Social Security Calculator
- 1Get your benefit at full retirement age from ssa.gov.
- 2Enter your full retirement age (66–67 for most).
- 3Try different claiming ages.
Worked example
Using the values the calculator loads with:
Inputs
- Benefit at full retirement age2100 $/mo
- Full retirement age67
- Planned claiming age62
- Life expectancy85
Results
- Monthly benefit$1,470.00
- Change vs full retirement age-30%
- Annual benefit$17,640.00
- Lifetime total to life expectancy$405,720.00
- Benefit if you waited to 70$2,604.00
Frequently asked questions
What is the break-even age?
Usually around 78–82 — delaying wins if you live past it.
Do benefits get taxed?
Up to 85% can be taxable depending on your combined income.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.