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Social Security benefit estimator

See how claiming at 62, at full retirement age, or at 70 could change your monthly check and your total benefits over time.

YOUR ESTIMATE
Use the estimate shown on your Social Security Statement.
This determines your full retirement age under current law.
Try a few ages. The best claiming age depends partly on longevity.

Rough estimate only. Your official benefit amount comes from the Social Security Administration at SSA.gov.

Three claiming ages, one clear comparison.

Enter your statement estimate to compare the trade-off between a smaller check sooner and a larger check later.

ESTIMATED MONTHLY BENEFIT

Your claiming-age comparison

Shown in today’s dollars, before taxes or Medicare premiums.

Your full retirement age67
Claim at 62 $0 per month
—
Claim at full retirement age $0 per month
Your statement estimate
Claim at 70 $0 per month
—

Total benefits received

Through age 85
Start at 62$0
Start at full retirement age$0
Start at 70$0

This estimate applies Social Security’s standard early-claim reduction and delayed-retirement credit formulas to the full-retirement-age amount you entered. It does not model future cost-of-living adjustments, earnings tests, taxes, Medicare premiums, spousal or survivor benefits, or changes in law. Informational purposes only.

Last reviewed: October 2026.