Social Security Calculator — Age 62 vs 67 vs 70 (2025 Bend Points)
Estimate your monthly Social Security benefit using the official PIA bend point formula. Free online calculator with formula guide and step-by-step results.
Social Security Calculator
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Annual Social Security Income
▲ $35,364
Your Full Retirement Age (FRA)
Age 67 — $2,947/mo at FRA
Benefit if Claimed at Age 62 (Earliest)
$2,063/mo (70% of FRA benefit)
Benefit if Delayed to Age 70 (Maximum)
▲ $3,655/mo (124% of FRA benefit)
Your Benefit vs. Age 62 Claim
▲ 100.0% — +$884/mo
Break-Even Age vs. Claiming at 62
Age 79 — delay pays off if you live beyond this age
Scenario Comparison
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Monthly Benefit by Claiming Age
Age 62
$2,063/mo
70% of FRA
FRA (Age 67)
$2,947/mo
100% — PIA
Age 70
$3,655/mo
124% of FRA
Lifetime Cumulative Benefits
Where lines cross = break-even age. Living longer than the crossing point favors delaying claims.
Your PIA (Primary Insurance Amount)
Your estimated PIA is $2,947/mo — this is what you would receive at exactly Age 67 (FRA). Get your official estimate at ssa.gov/myaccount for the most accurate projection based on your actual earnings record.
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