Early Claiming Reduction Calculator
Calculate the permanent reduction to your Social Security benefit when you claim before full retirement age.
Runs 100% in your browser — your benefit numbers never leave this pageTry: Birth year=1960+, Benefit at full retirement age=2000, Claiming age=62 → 60, -30%, $1,400, 70%
How to use
Enter your birth year, benefit at FRA, and the age you plan to claim, then press Calculate. Reductions follow SSA rules: 5/9% per month for the first 36 months early, then 5/12% per month after.
See the 62-70 claiming chart and when to take Social Security.
FAQ
How much is Social Security reduced if I claim at 62?
About 30% if your FRA is 67 (62 is 60 months early), or about 25% if your FRA is 66 (48 months early).
Is the reduction permanent?
Yes, unless you withdraw your claim and repay benefits within 12 months — see can you change your claim.
Does claiming early affect spousal or survivor benefits?
It can reduce the spousal benefit you receive and can affect your spouse — see the spousal benefits guide.