Social Security Timing Calculator
This calculator estimates your monthly Social Security check at every filing age from 62 to 70, from your current income and full retirement age. Use it from your late 50s on, when the choice between filing early, at full retirement age, or waiting until 70 is close enough to be real.
Social Security Timing
A rough estimate of how filing age changes your monthly benefit, using the same formula the Social Security Administration uses to convert your earnings into a benefit (the "bend point" formula).
We treat this as a rough stand-in for your career-average earnings. Your real number depends on your full 35-year record.
For illustration only, not your actual benefit
File at 62 (earliest)
File at full retirement age
File at 70 (latest)
Waiting from 62 to 70 roughly doubles the monthly check, for life. The right age depends on health, other income, and whether you're still working, exactly the kind of trade-off worth talking through.
Want to walk through what this means for you? Let's talk about it
Rough estimate only, based on a flat-earnings assumption capped at the Social Security taxable wage base ($176,100 for 2025), and 2025 program figures, which change over time. Your real benefit depends on your full 35-year earnings record. For your actual estimate, create a free account at ssa.gov/myaccount.
More free tools: Financial Calculators · The Investable Date Calculator · The Squeeze Test · Then vs. Now · The Financial Pyramid · The Wealth Builder Tax Leak Audit · The Retirement Tax Leak Audit · The Wealth Builder Decision Matrix · The Retirement Decision Matrix