Social Security Calculator by Claiming Age
Compare monthly benefits from age 62 to 70, using your own PIA or an earnings approximation.
Example estimate
Monthly benefit at age 67
$2,000
- PIA used
- $2,000.00
- Full retirement age
- 67 Years
- 62 vs 70 break-even
- About age 80.4
Using the PIA you entered. No future COLAs, returns, tax or survivor benefits.
| Claim at | Factor | Monthly benefit |
|---|---|---|
| 62 | 70.00% of PIA | $1,400 |
| 63 | 75.00% of PIA | $1,500 |
| 64 | 80.00% of PIA | $1,600 |
| 65 | 86.67% of PIA | $1,733 |
| 66 | 93.33% of PIA | $1,866 |
| 67 | 100.00% of PIA | $2,000 |
| 68 | 108.00% of PIA | $2,160 |
| 69 | 116.00% of PIA | $2,320 |
| 70 | 124.00% of PIA | $2,480 |
An illustrative calculation. Review the assumptions below before using the result.
Use a current PIA when possible
A current PIA from your SSA statement avoids reconstructing your earnings history. If PIA is 0, the tool approximates AIME from the annual indexed earnings you enter and uses 2026 bend points. This option does not implement the wage indexing and accumulated COLAs needed for an older birth cohort. The break-even comparison is a simple cumulative-payment crossing with no future COLAs.
Questions, answered.
Does this use my personal records?
No. Enter amounts or assumptions only. The site cannot retrieve an SSA earnings record, bank account, pension award or tax return.
Can I calculate with JavaScript turned off?
Yes. Each form sends a standard GET request and PHP calculates the result. JavaScript only improves the update and consent experience.
Why do the official numbers differ from my result?
Individual eligibility, exact dates, rounding, deductions and rules omitted from a simplified scenario can change the amount. Check the source and your own agency notice.
Can I print the calculation?
Use your browser’s print command. The inputs, result and assumptions remain; navigation and consent controls are removed from the printed view.
Check the sources.
Data checked October 1, 2026.