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Retirement
Social Security Claim Age Estimator
See how claiming early or delaying changes your benefit. Uses official SSA reduction and delayed-retirement-credit formulas.
How Social Security claiming math works
Your Primary Insurance Amount (PIA) is the benefit you'd receive if you claim at full retirement age (FRA — 67 for those born 1960 or later). Claiming earlier reduces it; delaying increases it.
Early-claim reduction
- 5/9% per month for the first 36 months before FRA
- 5/12% per month beyond 36 months
- Claiming at 62 with FRA 67 = ~30% reduction
Delayed retirement credits
- 8% per year past FRA (2/3% per month)
- No benefit to delaying past age 70
- Delaying from 67 to 70 = ~24% increase
What this estimator doesn't include
Your actual benefit also depends on your top-35 indexed earning years, COLA adjustments, taxation thresholds, and spousal/survivor rules. For a precise estimate, log into ssa.gov/myaccount.