Stop work before claiming

Early Retirement Social Security Calculator

Model full-time work, part-time work, and zero-income years separately before choosing when benefits begin.

Private by design. Your birth date, earnings, and results stay on this device.

Step 1

Your timeline

Date of birthMM/DD/YYYY

Use the U.S. month/day/year format.

Dollar displayConstant formula dollarsExcludes future COLAs and inflation.Future dollarsApplies the visible 2.4% annual COLA assumption.

Planned stop-work year Optional. Future earnings phases must end by this year; claiming can happen later.

Step 2

Covered earnings

Earnings history — one “year, amount” per lineTreat omitted years as $0. I reviewed my earnings record.

Step 3

Future earnings phases

Model full-time, part-time, or zero-income periods separately. Leave this section empty if you do not want to project future earnings.

Future earnings phase 1Start yearEnd yearAnnual covered earnings

Future earnings phase 2Start yearEnd yearAnnual covered earnings

Future earnings phase 3Start yearEnd yearAnnual covered earnings

Step 4

Claiming dates to compare

Scenario 1Claim ageClaim month

Scenario 2Claim ageClaim month

Scenario 3Claim ageClaim month

How to model an early exit from work

Paste your historical covered earnings.
Add a full-time phase and, if relevant, a lower-income part-time phase.
Set the planned stop-work year so no future phase extends beyond it.
Compare independent claiming dates from age 62 through 70.

What the estimate reveals

The indexed-earnings detail shows whether projected work replaces a lower year in the highest 35. The results then separate that earnings effect from the reduction or delayed credit caused by claiming timing.