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SS OptimizerSocial Security Planner
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When Should You Claim Social Security?

Compare estimated lifetime benefits at different claiming ages

Using 2026 IRS Data

Your Information

You must be at least 18 years old. Use your birth month and year.

Your Primary Insurance Amount at full retirement age (age 67). Find this on your SSA statement at ssa.gov.

Choose your filing status. If married, you can compare both spouses' claiming age scenarios.

Your spouse's benefit amount at their full retirement age, if applicable.

85 years

Adjust based on your health and family history. This affects your lifetime benefits.

3.0%

Expected annual return on your savings. Used to calculate the present value of future benefits.

Lifetime Benefits by Claiming Age

Detailed Analysis

Claiming Age Monthly Benefit Annual Benefit Total Lifetime Present Value Break-even vs 62
Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or investment advice. Results are estimates based on the assumptions and inputs provided and are not guaranteed. Actual outcomes may vary. Consult with a qualified financial advisor or tax professional before making any financial decisions.