Social Security Optimizer
Find the optimal age to claim Social Security for maximum lifetime income.
Your Estimated FRA Benefit
$500$5,000/mo
Find your estimate at ssa.gov/myaccount. Life expectancy used: 85 (update in Retirement Profile).
Best lifetime total: Claim at age 70
$446k total vs $386k if claiming at 62.
Claiming Age Comparison
| Claim Age | Monthly Benefit | Annual Benefit | Lifetime Total | Break-Even vs 62 |
|---|---|---|---|---|
| Age 62 Earliest | $1,400 | $16,800 | $386k | — |
| Age 63 | $1,500 | $18,000 | $396k | Age 77 |
| Age 64 | $1,600 | $19,200 | $403k | Age 78 |
| Age 65 | $1,733 | $20,801 | $416k | Age 78 |
| Age 66 | $1,867 | $22,399 | $426k | Age 78 |
| Age 67 FRA | $2,000 | $24,000 | $432k | Age 79 |
| Age 68 | $2,160 | $25,920 | $441k | Age 79 |
| Age 69 | $2,320 | $27,840 | $445k | Age 80 |
| Age 70 Best Max | $2,480 | $29,760 | $446k | Age 80 |
For educational purposes only. Consult SSA.gov or a financial advisor for personalized guidance.