Social Security Calculator

Determine the Ideal Social Security Application Age

Find the ideal age to apply for benefits based on your life expectancy and financial outlook.

Your Birth Year

Your Life Expectancy

Your Investment Return (% per year)

Cost of Living Adjustment (% per year)

Compare Two Social Security Application Ages

Compare the financial difference between two Social Security benefit application ages.

Social Security Claim Option 1

Retirement Age

Monthly Payment ($)

Social Security Claim Option 2 (Work Longer)

Retirement Age

Monthly Payment ($)

Other Information

Your Investment Return (% per year)

Cost of Living Adjustment (% per year)

Optimizing Your Benefits with a Free Social Security Calculator

Deciding when to start taking Social Security is one of the most significant financial decisions you'll make for your retirement. Claiming at the right time can mean tens of thousands of dollars in extra income over your lifetime. Our Free Social Security Calculator is designed to help you navigate this choice with confidence by modeling the financial outcomes of claiming at different ages.