Social Security Break-Even Calculator
Claim early or wait? The age where waiting pays off.
Your numbers
Break-even age
80.3
Monthly gain from waiting
$1,400.00
The link and the printed sheet both save your numbers, so anyone who opens them sees the same estimate.
Compare scenarios
Save your current numbers, change them, save again, and see each estimate side by side. Saved in this browser only.
How it works
Adds up checks month by month for each claim age until waiting catches up. Cost-of-living raises lift both options by the same percentage, so they barely move the break-even. Use your own benefit estimates from ssa.gov/myaccount. Ignores taxes, spousal and survivor benefits.
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Results are estimates for education only and are not investment advice.