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Social Security Timing Calculator
Compare cumulative lifetime benefits for claiming at 62, full retirement age, or 70 — based on how long you expect to live.
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Your results
Claim at 62
$583,200
Claim at FRA (67)
$660,000
Claim at 70
$729,600
At a life expectancy of 88, claiming at 70 gives you the highest cumulative lifetime benefit.
Claiming at 70 catches up to claiming at 62 around age 80.
- Claim 62
- Claim 70
- Claim FRA
US Social Security only. This is a simplified planning estimate, not a benefit calculation from the Social Security Administration.
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