Interactive retirement tool
Free Social Security Break-Even Calculator — When Should You Claim?
Compare claiming at 62, full retirement age, and 70, see the break-even age for each delay decision, add a spouse, and estimate how taxes can affect the monthly amount that actually lands in your pocket.
Benefit assumptions
Auto-estimate uses 70% of FRA at age 62, 100% at age 67, and 124% at age 70.
Spouse mode assumes both spouses are the same age for a quick household-level comparison.
Cumulative benefits chart
Claim at 62
Claim at 67
Claim at 70
Age 62Age 90
Chart shows cumulative pre-tax benefits from age 62 through 90.
Snapshot at key ages
| Age | Claim at 62 | Claim at 67 | Claim at 70 |
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Need deeper claiming worksheets?
Get the Social Security Optimizer for break-even worksheets, spousal and survivor strategy tools, tax modeling, WEP/GPO notes, and earnings-test planning.
Explore the Social Security OptimizerBreak-even results
62 vs 67 break-even
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67 vs 70 break-even
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62 vs 70 break-even
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Best at life expectancy
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