Social Security Calculator

Your Information

Current Age

yrs

Annual Income

Years Worked

yrs

COLA Rate

Estimated Primary Insurance Amount (PIA)$2,395.20/mo

Early (Age 62)

$1,676.64

per month

Annual$20,119.68

vs. Full Retirement-30.0%

Full Retirement (Age 67)

$2,395.20

per month

Annual$28,742.40

vs. Full Retirement+0.0%

Delayed (Age 70)

$2,970.05

per month

Annual$35,640.58

vs. Full Retirement+24.0%

Monthly Benefit Comparison

Age 62

$1,676.64

Age 67

$2,395.20

Age 70

$2,970.05

Breakeven Analysis

When does delaying benefits become more profitable than claiming early?

Age 62 vs. Age 67Age 78

Delaying to 67 surpasses claiming at 62

Age 62 vs. Age 70Age 80

Delaying to 70 surpasses claiming at 62

Age 67 vs. Age 70Age 82

Delaying to 70 surpasses claiming at 67

Estimates are based on simplified calculations using 2024 bend points and formulas. Actual benefits depend on your full earnings history. Visit ssa.gov for official estimates.