Interactive calculator · updated for 2026
Social Security calculator: your benefit at 62, 67, or 70
Your statement tells you your number. This shows what it means: what you get at each claim age, the age waiting starts to pay off, and what working does to it. Free, no login, no account. It carries straight into the full plan.
Quick check
Adjust your numbers. The estimate updates as you go.
This is a fast, free public tool. It answers one question, when to claim, then the map ties the result to income, taxes, health costs, housing, and timing.
Your benefit
Your benefit and timing
Earnings test
Working before full retirement age
Ready when you are
Run it once. Then change one number and run it again.
The first result gives you the rough answer. The second result usually shows the real lever: age, income, tax bracket, premium, rate, or the monthly gap.
Bring it into the free map
The map carries this estimate into your spending, taxes, and savings, so you can see the years your money has to last. No account needed.
Quick calculator run
Run it, read what the result means, then bring the useful number into the map.
Calculator disclosure
What you'll see here. This is an educational tool. Your planning inputs stay in your browser — The Retirement Atlas does not receive them. The numbers you'll see are observations and projections, not advice. They depend on the assumptions you enter and may not reflect your situation. Identifiable details (name, email, phone) are only collected if you separately choose to save your map, ask for help, or be matched with a licensed annuity specialist, and those flows have their own consent steps. Consult your own licensed financial professional before making any financial decision.
Learn more
Read the answer behind the calculator.
Start here
The full Social Security guide
The claim-age roadmap, in plain English. Timing, the earnings test, spousal and survivor benefits, COLA, and the taxable max.
Claiming age
When to take Social Security
The claiming-age answer, in one read, before you compare timing here.
Survivor benefits
Social Security widow benefit at 60
What it looks like when one spouse is left with one check.
Common questions
Social Security claiming, answered.
How much is Social Security at 62 vs full retirement age vs 70?
Claiming at 62 permanently lowers the monthly check, up to about 30% below the full amount for a full retirement age of 67. Full retirement age pays 100%. Each year you wait past full retirement age, up to 70, adds delayed-retirement credits of about 8% a year. This shows your own number at every age.
What is the Social Security break-even age?
The break-even age is when the bigger checks from waiting add up to more total dollars than the smaller checks from claiming early. Past that age, the later claim has collected more in total. Before it, the earlier claim is ahead.
Can I work while collecting Social Security?
Yes. If you are under full retirement age all of 2026 and earn over $24,480, Social Security pauses $1 of benefits for every $2 over the limit. In the year you reach full retirement age, the 2026 limit is $65,160, with $1 paused for every $3 over. At or after full retirement age, there is no limit. Paused benefits come back to you as a bigger check later.
Does waiting until 70 always pay more?
Not always. Waiting raises the monthly check, but you collect for fewer years. In total dollars it comes out ahead only if you live past the break-even age. This shows where that crossover falls for your numbers.