Single-person planning tool

Find the claiming age that pays the most over your expected lifetime.

Enter your birth date, your estimated monthly Social Security benefit for each claiming age, and your life expectancy. The calculator compares ages 62 through 70 and highlights the option with the highest projected lifetime payout.

Free to use No account No saved data

Step 1

Enter your estimates

Birth date Choose the date used to calculate your claiming ages.

Life expectancy age Enter the age you expect to live to, such as 82.

Step 2

Monthly benefit estimate by claiming age

Use your own estimate for each age. Enter whole dollars or cents.

Age 62 monthly benefit

Age 63 monthly benefit

Age 64 monthly benefit

Age 65 monthly benefit

Age 66 monthly benefit

Age 67 monthly benefit

Age 68 monthly benefit

Age 69 monthly benefit

Age 70 monthly benefit

Step 3

Review the recommendation

Your recommendation will appear here.

Use the sample values or replace them with your own estimates, then compare the payout totals.

Step 4

Compare the details

Your comparison table will appear here.

After you compare claiming ages, this section will show the month counts and lifetime totals for every age from 62 through 70.