Retirement

Social Security Analyzer Calculator

Compare monthly and cumulative lifetime benefits across claiming ages 62–70, with optional earnings-test and taxation impact.

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How to use

Enter your current age, full retirement age, and estimated monthly benefit at FRA.
Pick which claiming ages to compare and your planning end age.
Optionally add work earnings (for the earnings test) and filing status / other income (for taxation).
Review the per-age table, the best-lifetime card, break-even ages, and tax exposure.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Early reduction: 5/9 of 1% per month for the first 36 months, 5/12 of 1% per month beyond.
Delayed credit: 2/3 of 1% per month after FRA, up to age 70.
Earnings-test limits: $22,320 (under FRA) and $59,520 (year you reach FRA); only applies before FRA.
Provisional-income thresholds: $25k / $34k (single) and $32k / $44k (married).
Lifetime benefit assumes you live to your end age and collect every scheduled monthly benefit.