SS Benefits Calculator

Wondering when to claim Social Security? This free calculator helps you estimate your monthly benefits at every age from 62 to 70 — powered by the official SSA 2026 formula.

Key Features: • Monthly benefit estimate for ages 62–70 • Full Retirement Age (FRA) calculation based on your birth year • Break-even analysis: when does delaying actually pay off? • Lifetime earnings comparison table (projected to age 85) • Visual bar chart comparing all claiming ages • Inputs saved automatically for next time

How It Works: Enter your birth year and average annual earnings. The app uses the SSA bend point formula (AIME → PIA) to calculate your Primary Insurance Amount, then applies the official early/delayed claiming factors to show your benefit at every age.

Did You Know? Claiming at 70 instead of 62 can increase your monthly check by over 75%. But your break-even age matters — if you don't live past ~80, claiming early may come out ahead.

Disclaimer: Estimates are based on the SSA 2026 benefit formula. Actual benefits depend on your full earnings history. Consult SSA.gov or a financial advisor for personalized advice.