Dauble+Worthington All Calculators

Social Security Optimizer

Compare claiming at 62, 67, or 70 — with or without an investment return on early payments

Your Information

Find your exact estimates at ssa.gov/myaccount
Log in and look for "Your Retirement Estimate" — it shows your estimated monthly benefit at each claiming age. Enter those three numbers below for the most accurate results.
Reduced benefit — permanently lower than waiting
Full Retirement Age — 100% of your earned benefit
Maximum benefit — highest monthly amount possible
Used to calculate total lifetime benefit
View Mode
0%5%10%15%
Assumed annual return if early SS payments are invested
Amount you withdraw monthly to spend. Remainder stays invested.
Portfolio grows untouched until this age, then distributions begin.

Benefit Comparison

Age 62

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Age 67

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/month
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Age 70

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/month
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Enter your benefit above to see break-even analysis.

Cumulative Benefits Over Time — hover bars for details
Age 62
Age 67
Age 70
Social Security estimates use simplified SSA reduction/increase formulas. Actual benefits depend on your earnings history. Visit ssa.gov for personalized estimates. This calculator is for educational purposes only and does not constitute financial advice.

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