📝 Personal & Earnings Info
FRA: 67 Years
2026 Max: $168,600
$
Age 67
62 (Early)
67 (FRA)
70 (Max Credit)
2.5%
💡 Social Security Rules
- Age 62: Earliest possible claiming age. Benefit is permanently reduced by up to 30%.
- FRA (66-67): 100% of your Primary Insurance Amount (PIA) without penalty.
- Age 70: Earn 8% annual delayed retirement credits (up to +24-32% above FRA!).
Estimated Monthly Benefit at Selected Age
$2,250 / month
Annual Total
$27,000 / yr
Claiming Age Comparison
Claim at Age 62 (Early)
$1,575 / mo (-30%)
Claim at Full Retirement Age (100%)
$2,250 / mo (100%)
Claim at Age 70 (Delayed Maximum)
$2,790 / mo (+24%)
Cumulative Lifetime Benefits to Age 85 Assumes living to age 85
| Claim Age | Monthly | Total by Age 75 | Total by Age 85 | Break-Even vs 62 |
|---|