Social Security break-even calculator
Compare two claiming ages and see when delaying pays off.
Adjust assumptions and review the chart to see when the later claim catches up.
Not financial advice. This calculator is for education only — results are estimates and may differ from your actual benefits.
Not sure which age to claim? Answer 7 quick questions — 11 if you're married — and we'll compute your best strategy.
Takes about a minute. We'll ask about your marital status, age, health, and benefit amount — 7 questions if you're single, 11 if you're married — then calculate which claiming age maximizes your lifetime Social Security income.
Question 1 of 7
Your optimal claiming strategy
Assumptions behind this recommendation
Higher cumulative total under current assumptions
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| Age | Date | Earlier cumulative | Later cumulative | Difference |
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Methodology & disclaimer
What this does not include
This simplified model does not account for taxes, Medicare premiums, the earnings test, spousal or survivor benefits, investment returns on early benefits, or changes in personal circumstances. Consult a qualified professional for personalized advice.