Social Security Break Even Calculator
Should you claim at 62, 67, or 70? Compare lifetime benefits and find your optimal claiming age based on your life expectancy.
Your Social Security Details
Ready to Calculate
Enter your benefit amounts on the left and click Calculate to see your optimal claiming strategy.
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When to Claim Social Security
The right claiming age depends on your unique situation.
Claim at 62
Best if:
- • Poor health or shorter life expectancy
- • Need immediate income
- • No other retirement income
- • Will invest benefits wisely
Claim at 67
Best if:
- • Average health and life expectancy
- • Want full benefits without penalty
- • Balance between now and later
- • Can afford to wait past 62
Claim at 70
Best if:
- • Excellent health and longevity
- • Don't need the income yet
- • Want maximum survivor benefit
- • Have other income to bridge gap
Spousal Strategy Tip
For married couples, consider having the higher earner delay to 70 for maximum survivor benefits, while the lower earner claims earlier. This strategy can significantly boost lifetime household benefits, especially if one spouse outlives the other.
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Important Disclaimer
This calculator provides estimates for educational purposes only and is not financial or legal advice. Social Security claiming decisions are complex and irreversible in most cases. Your actual benefits may differ. Consult with a qualified financial advisor and the Social Security Administration before making claiming decisions.