When to claim. How much you get at every age from 62 to 70. The math behind the biggest financial decision of your retirement.
Assumes single-filer math and Full Retirement Age 67 (born 1960+). Does not model spousal or survivor benefits — for couples, use the Survivor & Spousal SS calculator. Real claiming has edge cases (post-2015 deemed filing, the work earnings test before FRA, up to 85% of SS being federally taxable, and 11 states that still tax SS) that affect the optimal age. Confirm your PIA at ssa.gov/myaccount before claiming.
