Social Security Optimizer
Find your optimal Social Security claiming age and maximize lifetime benefits.
Your Information
$
Your monthly benefit at Full Retirement Age (from SSA.gov)
85
70100
$
Pension, part-time work, etc.
%
Return on invested benefits if you delay
Optimal Claiming Age
70
Yields max lifetime benefits
Monthly Benefit
$3,100
Cumulative: $595,200
Monthly Benefit by Claiming Age
Cumulative Lifetime Benefits
How total benefits grow over time based on claiming age.
Claiming Age Comparison
| Claiming Age | Monthly Benefit | Annual Benefit | Total by Age 85 |
|---|---|---|---|
| 62 | $1,750 | $21,000 | $504,000 |
| 63 | $1,875 | $22,500 | $517,500 |
| 64 | $2,000 | $24,000 | $528,000 |
| 65 | $2,167 | $26,004 | $546,084 |
| 66 | $2,333 | $27,996 | $559,920 |
| 67 | $2,500 | $30,000 | $570,000 |
| 68 | $2,700 | $32,400 | $583,200 |
| 69 | $2,900 | $34,800 | $591,600 |
| 70 | $3,100 | $37,200 | $595,200 |
AI Insights
3 remaining todayGet personalized analysis of your financial scenario with actionable recommendations.
Understanding Social Security Claiming
How Benefits Are Calculated
Your benefit is based on your Full Retirement Age (FRA) amount. Claiming early reduces it permanently; delaying past FRA increases it.
- -Before FRA: Reduced by 5/9% per month for the first 36 months early, then 5/12% per additional month
- +After FRA: Increases 8% per year in delayed retirement credits, up to age 70
- =Break-even: The age where total delayed benefits surpass total early benefits
Key Considerations
- •Health status and family longevity
- •Immediate income needs
- •Impact on spousal benefits
- •Tax implications of other income