CivicFinCalc

Social Security Claiming



62: 70% of FRA. 70: 124%. Delay = 8%/year.

Break-Even

  • 62 vs 67: ~age 78
  • 67 vs 70: ~age 82


    • Spousal

  • Up to 50% of FRA
  • Survivor: higher benefit


    • Social Security Break-Even