Social Security Benefits Calculator

Find the optimal age to start collecting benefits

Birth Date

December 1963

💾 All data saved in your browser

👋 Welcome! Configure your retirement scenario below, then save it to compare different claiming strategies. The chart shows cumulative benefits over your lifetime.

Cumulative Benefits Over Time

Today's Dollars

Type:

Display:

Inflation:

Investment:

Current Scenario(claim at 67)

When will you start claiming benefits?

Projected monthly benefit: $4,546(today's dollars)

FRA

62 (2025)
(Early)67 (2030)Full Benefits70 (2033)
(Max)

Expected Monthly Benefit at Retirement (in today's dollars)

Base Benefit Amount (before claiming age adjustment)

Percentage of Maximum Benefit

0%75% of max ($4,546)100%

$3,410/month = 75% of projected maximumModerate Benefits

Full Retirement Age67 years

You'll reach full retirement age in December 2030

💡 Change your birth date in Settings (top right) if needed.

Saved Scenarios

No saved scenarios yet.
Create and save your first scenario!