Retirement
Social Security Claiming
Estimate monthly and lifetime benefits from claiming early, at full retirement age, or delayed.
PrivateRuns in your browserEstimateAssumption-driven
How to read this resultShow
This projection depends heavily on return, inflation, tax, withdrawal, and life-expectancy assumptions. Use the result as a planning range, then stress-test the inputs.
This calculator primarily uses the assumptions you enter, with formulas kept in the tested finance engine. Market rates, local costs, lender rules, and personal circumstances can change the result.
Smart next steps
- Delaying past full retirement age adds ~8%/year until 70 — often the best longevity hedge.
- Compare the break-even age against your health and family longevity.
- Coordinate with a spouse's claim and your other withdrawal sources.