PDFAITools
Social Security Calculator
Estimate Social Security benefits at ages 62, 67 and 70 and find your optimal claiming age.
SS uses your best 35 years
Estimates based on simplified SSA benefit formula. Actual benefit may differ. Consult SSA.gov for a personalized estimate.
At Age 62 (Early โ 30% reduction)
At Age 67 (Full Retirement Age)
At Age 70 (Maximum โ 24% bonus)
Break-Even Analysis:
Claiming at 67 vs 62 breaks even around age โ if you live past this age, waiting until 67 pays more in total.
Claiming at 70 vs 67 breaks even around age โ if you live past this age, waiting until 70 pays more in total.
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