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Social Security: what you get at each claiming age

I built this so you can see your check at every age from 62 to 70 before you decide when to start. Type the benefit from your my Social Security statement. You get each age before and after tax, and the total you would collect by 80, 85 and 90.

These numbers use Social Security's own rules: about 70% of your full benefit if you start at 62, and 124% if you wait until 70, when your full retirement age is 67. Rules from ssa.gov: starting early, waiting past full retirement age.

Your benefit at full retirement age is a

Monthly amount Yearly amount

Benefit at full retirement age, a month

Find yours on your my Social Security statement

Year you were born

Full retirement age: 67

Your federal tax bracket

How much of your benefit is taxed

State tax (optional)

How much of your benefit is taxed depends on your other income. Generally up to 50% is taxable, and up to 85% can be. Tax here is your bracket rate (plus any state rate) on that taxed share, a rough estimate. If you were born on January 1, use the year before.

Monthly check, before tax

$0start at 62

$0at full retirement age, 67

$0wait until 70

Your check at every claiming age, in today's dollars
Start at	Monthly, before tax	Monthly, after tax	Yearly, before tax	Yearly, after tax	Added by waiting

Total collected by age 80, 85 and 90, before tax
Start at	By 80	By 85	By 90

Estimates only, not your official number from Social Security. In today's dollars, before yearly cost-of-living raises. Spousal and survivor benefits, and the earnings test if you work before full retirement age, are not included.

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Sources

All checked 21 Oct 2026.

Full retirement age by birth year, and about 70% of the full benefit at 62 when full retirement age is 67: ssa.gov, starting your retirement benefits early
Early reduction of 5/9 of 1% a month for the first 36 months and 5/12 of 1% for each month after that: ssa.gov, benefit reduction for early retirement
Delayed retirement credits of 2/3 of 1% a month (8% a year) for people born 1943 or later, stopping at 70: ssa.gov, delayed retirement credits
Up to 50% of Social Security is generally taxable, and up to 85% can be: IRS Publication 915
Federal tax brackets 10%, 12%, 22%, 24%, 32%, 35% and 37%: irs.gov, federal income tax rates and brackets
Your own benefit estimate: my Social Security

For education only. Not personal financial, tax or legal advice. Numbers are estimates based on the assumptions you enter.

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