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Social Security Estimator.

Enter your estimated benefit at Full Retirement Age and see how claiming at 62, 67, or 70 changes your monthly check, and your lifetime benefit.

Run the numbers

Claim at 62, 67, or 70.

Estimate from your SSA statement at ssa.gov.
Claim at 62
$1,750/mo
$21,000/year
Lifetime to age 90
$588,000
Claim at 65
$2,168/mo
$26,010/year
Lifetime to age 90
$650,250
Claim at 67
$2,500/mo
$30,000/year
Lifetime to age 90
$690,000
Claim at 70 · Best
$3,100/mo
$37,200/year
Lifetime to age 90
$744,000
Under the hood

How claiming age affects your benefit.

Claiming at 62 permanently reduces your benefit by about 30%. Claiming at 70 permanently increases it by 24% above Full Retirement Age (67 for those born in 1960 or later). That’s an 8% per year delayed retirement credit, inflation adjusted, backed by the US Treasury, and one of the best risk-adjusted returns available to a retiree.

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