Range: 22 - 70
Career average
Need 35 for max benefit
Range: 62 - 70
Estimated Monthly Benefit
$1,961.34
Claiming at age 67
Annual Benefit
$23,536.11
Full Retirement Benefit (67)
$23,536.11
100% PIA
Benefit by Claiming Age
Early (Age 62)
$1,372.94
30% reduction
Full Retirement (67)
$1,961.34
100% benefit
Delayed (Age 70)
$2,432.07
24% increase
Lifetime Benefits Comparison (to age 85)
| Claiming Age | Monthly | Annual | Lifetime Total |
|---|---|---|---|
| 62 | $1,372.94 | $16,475.28 | $378,931.44 |
| 63 | $1,471.01 | $17,652.09 | $388,345.89 |
| 64 | $1,569.07 | $18,828.89 | $395,406.72 |
| 65 | $1,700.48 | $20,405.81 | $408,116.22 |
| 66 | $1,829.93 | $21,959.19 | $417,224.70 |
| 67 | $1,961.34 | $23,536.11 | $423,650.06 |
| 68 | $2,118.25 | $25,419.00 | $432,123.06 |
| 69 | $2,275.16 | $27,301.89 | $436,830.28 |
| 70(Optimal) | $2,432.07 | $29,184.78 | $437,771.73 |
Optimal Claiming Age
Age 70
Max lifetime: $437,771.73
Break-Even vs Age 62
Age 74
When delayed claiming pays off
Your Earnings Record Impact
Working 10 more years would increase your benefit by eliminating zero-earning years.
Estimate Disclaimer
This calculator provides a rough estimate only. The actual SSA calculation indexes your historical wages to current dollars and uses your highest 35 years of earnings. This simplified calculator cannot replicate that process without your complete earnings history.
- Your actual benefit is based on your highest 35 years of indexed earnings
- Full retirement age is 67 for those born in 1960 or later
- Working while receiving benefits before FRA may temporarily reduce benefits
- Social Security benefits may be partially taxable depending on your income
- Using 2026 bend points for this estimate
- For accurate estimates, create an account at ssa.gov to see your actual earnings record and benefit projections
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