Social Security claiming age calculator

Monthly benefit at full retirement age

The figure on your Social Security statement.

Full retirement age

In whole years. It depends on the year you were born; your statement gives it.

Enter the claiming rates to see a result. The fields start empty because these are the government’s figures to publish, not ours, and we have not yet checked them against the source ourselves. They are on SSA — Early or late retirement.

Published rates

Reduction for the first 3 years early

The total for claiming 36 months early, on the SSA page on early or late retirement.

Reduction for each further year early

The same page.

Increase for each year late

The same page. It stops at 70.