See how claiming Social Security before or after your Full Retirement Age changes your monthly benefit.
Enter Your Details
Your Estimated Monthly Benefit
—
Your Full Retirement Age—
If Claimed at 62—
If Claimed at 70—
Formula
Claiming early reduces the benefit; claiming late past Full Retirement Age increases it, up to age 70, per official SSA percentages.
Example
Someone born in 1990 has a Full Retirement Age of 67. A $2,200 benefit drops to about $1,540 if claimed at 62, or rises to about $2,728 if delayed to 70.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
What is Full Retirement Age?
The age at which you receive 100 percent of your calculated benefit, ranging from 66 to 67 depending on birth year.
Where do I get my real benefit estimate?
Create a free account at ssa.gov to see your personalized estimate based on your actual earnings record.