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Social Security Analyzer
Plot out claiming strategies in seconds
Enter your FRA, projected benefit, chosen claiming ages, and optional work/tax assumptions to see how monthly checks, cumulative lifetime benefits, and tax exposure shift.
Core Social Security Inputs
Used to calculate cumulative lifetime benefits (default 90).
Your estimated monthly benefit when claiming at FRA.
Toggle on/off specific ages (62–70) to focus on the comparisons you care about.
Ages behind you are flagged as hypothetical—they're useful for benchmarking even though they're in the past.
Assuming you live to 90, claiming at age 70 produces approximately $833,280 in cumulative benefits. That's about $174,720 more than claiming at age 62.
Claim at 62
$1,960
Lifetime to 90: $658,560
Claim at 63
$2,100
Lifetime to 90: $680,400
Claim at 64
$2,240
Lifetime to 90: $698,880
Schedule a planning session to confirm you’re optimized and protected against downside scenarios.
Age 62
Monthly benefit · $1,960
Age 63
Monthly benefit · $2,100
Age 64
Monthly benefit · $2,240
Age 65
Monthly benefit · $2,427
Age 66
Monthly benefit · $2,613
Age 67
Monthly benefit · $2,800
Age 68
Monthly benefit · $3,024
Age 69
Monthly benefit · $3,248
Age 70
Monthly benefit · $3,472
62 vs 67
Around age 78.7 the total collected at 67 overtakes claiming at 62. Living past this point favors waiting.
67 vs 70
Around age 82.5 the total collected at 70 overtakes claiming at 67. Living past this point favors waiting.
62 vs 70
Around age 80.4 the total collected at 70 overtakes claiming at 62. Living past this point favors waiting.
Turn on the “Working While Receiving Benefits” toggle to model earnings-test reductions.
$0 of benefits
We assume annual Social Security benefits of $41,664 based on the currently recommended claiming age. Adding other taxable income ($0) and tax-exempt interest ($0) helps identify whether you fall into the 0%, 50%, or 85% inclusion zone.
If your income picture changes, update the optional inputs above to instantly see whether more (or less) of your benefits become taxable.