Social Security Break-even Calculator

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

Benefit Amounts

Monthly Benefit at Age 62

$

Monthly Benefit at FRA

$

Monthly Benefit at Age 70

$

Full Retirement Age

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$388,800.00

Starting at FRA$390,000.00

Starting at 70$372,000.00