When should you claim Social Security?

ClaimWhen estimates your optimal Social Security claiming age using the Social Security Administration's published formulas. Enter your birth year, your benefit at full retirement age, and a life-expectancy assumption to see your lifetime benefit at every claim age from 62 to 70, your break-even ages, and a recommended range you can print.

Open the calculator, or start with your cohort or state:

Independent and not affiliated with the Social Security Administration. General information, not financial or tax advice.