Delayed Retirement Credits Calculator
See how much your Social Security benefit grows when you delay past full retirement age — 8% per year, capped at 70.
Runs 100% in your browser — your benefit numbers never leave this pageTry: Full retirement age=67, Benefit at FRA=2000, Wait until age=70 → +24%, $2,480, $480, +24%
How to use
Enter your benefit at full retirement age and how long you plan to wait, then press Calculate. Delayed credits add 8% per year (2/3% per month) up to age 70 — waiting longer than 70 adds nothing.
Context: delayed credits explained.
FAQ
How much does Social Security increase after full retirement age?
8% per year (about 0.667% per month) for each year you delay, up to age 70. Waiting from 67 to 70 raises a $2,000 benefit to $2,480.
Is there any benefit to waiting past 70?
No — delayed credits stop at 70. There is no increase for delaying past your 70th birthday.
Do COLAs also apply while I wait?
Yes. Benefits get COLAs even before you claim, so waiting also lets the COLA-adjusted amount grow — our COLA calculator can model that.