Calculator
Social Security Break-Even Calculator
🧮 Compare Your Benefit at 62, 67, and 70
Reference
Full Retirement Age by Birth Year
| Birth Year | Full Retirement Age | Benefit at 62 | Benefit at 70 |
|---|---|---|---|
| 1943–1954 | 66 | 75% | 132% |
| 1955 | 66 + 2 months | 74.2% | 130.7% |
| 1956 | 66 + 4 months | 73.3% | 129.3% |
| 1957 | 66 + 6 months | 72.5% | 128% |
| 1958 | 66 + 8 months | 71.7% | 126.7% |
| 1959 | 66 + 10 months | 70.8% | 125.3% |
| 1960 or later | 67 | 70% | 124% |
Frequently Asked Questions
How does Social Security calculate my benefit?+
What is the maximum Social Security benefit in 2026?+
When is the best time to claim Social Security?+
Does working affect my Social Security benefit?+
📚 Sources
- Social Security Administration, How Benefits Are Calculated (ssa.gov)
- SSA, Monthly Statistical Snapshot, November 2025
- SSA, Full Retirement Age chart (ssa.gov/benefits/retirement/planner/agereduction.html)
- AARP, Social Security Break-Even Age Guide 2025
- Charles Schwab, Social Security Claiming Strategies 2026
- Plootus Research 2026
