Month-by-month timing

Social Security Claiming Age Calculator

Compare three filing dates from age 62 through 70 and see the monthly adjustment applied around full retirement age.

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

Choosing dates to compare

Start with age 62, your full retirement age, and age 70. Then adjust individual months to examine a planned birthday, retirement date, or filing window. The results show the formula adjustment percentage for every scenario.

What does not change

The same earnings record and future-work assumptions are used across all three claiming dates. That isolates the effect of claiming timing while keeping your earnings inputs consistent.