Social Security Break-even Calculator

Calculate the age at which delaying Social Security benefits pays off.

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Benefit Amounts

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Break-even Analysis

Break-even: Age 62 vs FRA79.857
Break-even: FRA vs Age 7082.5
Break-even: Age 62 vs 7081.077

Cumulative Benefits at Age 80

Starting at 62$388,800
Starting at FRA$390,000
Starting at 70$372,000
How it works›

Model and assumptions. Compares cumulative benefits or retirement income with and without the entered Social Security assumptions. Break-even depends on claiming ages and benefit levels; longevity, survivor needs, taxes and investment returns can change the decision.SSA: claiming age and benefits