ClaimCalc

Estimate the best age to claim Social Security — break-even, full retirement age, spousal, survivor, COLA and more.

Runs 100% in your browser — your benefit numbers never leave this page

Claiming Tools

Find the age where delaying Social Security catches up to claiming early, using your own benefit estimates.

Look up your full retirement age by birth year, plus the percentage of your benefit you get at 62 and at 70.

See how much your Social Security benefit grows when you delay past full retirement age — 8% per year, capped at 70.

Calculate the permanent reduction to your Social Security benefit when you claim before full retirement age.

Compare cumulative Social Security benefits when claiming at 62 vs 70 — see the break-even age and who wins by 85.

Compare cumulative Social Security benefits at 62 vs full retirement age 67, with break-even age and totals.

Compare your own Social Security benefit against the spousal benefit — you receive the higher of the two.

Estimate the monthly survivor benefit you could receive, based on the deceased spouse's PIA and your claiming age.

See how much of your Social Security benefit is withheld when you work and collect before full retirement age.

Project your future Social Security benefit with cost-of-living adjustments compounding each year.

Compare total lifetime Social Security benefits under your own life-expectancy assumption — early vs delayed claiming.