Social Security Estimator

Estimate your monthly benefit at different claiming ages and find your break-even point.

Your Information

Current Age

Full Retirement Age (FRA)

Estimated Monthly Benefit at FRA

Find this on your SSA statement at ssa.gov/myaccount

Expected Annual COLA

Cost-of-living adjustment (historical avg ~2.6%)

Life Expectancy

Age 62 (Early)

—

/month · reduced benefit

⭐ Full Retirement Age
—
/month · 100% benefit

Age 70 (Delayed)

—

/month · maximum benefit

📊 Lifetime Totals

Lifetime Total at 62

—

Lifetime Total at FRA

—

Lifetime Total at 70

—

Break-Even: 62 vs 70

—

Age when delaying pays off

Cumulative Benefits by Claiming Age

Claim at 62

Claim at FRA

Claim at 70

* Estimates only. Actual benefits depend on your full earnings history. Visit ssa.gov/myaccount for your official estimate. COLA is applied annually starting after claim age.