Social Security Breakeven Calculator
Compare lifetime Social Security benefits for three claiming ages and see the age at which waiting for a bigger check catches up with starting early. Try the annuity calculator to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.
Your results
| Claim at | First check | Total to life expectancy |
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Breakeven ages
Ignores the earnings test, income tax on benefits and spousal or survivor benefits.
Cumulative benefits by age
Total received by the end of each year of age under each claiming option.
| Age | Claim at 62 | Claim at 67 | Claim at 70 |
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Results are estimates for educational purposes and are not financial, tax or legal advice.
Compare lifetime Social Security benefits for three claiming ages and see the age at which waiting for a bigger check catches up with starting early. Try the annuity calculator to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.