Social Security
Model your lifetime benefits at every claim age. See break-even year and how much you leave on the table by claiming early.
$2,400/mo
at age 67
Lifetime: $518,400
Results
Monthly benefit
$2,400
Annual benefit
$28,800
Lifetime benefit
$518,400
Earnings penalty
$0
Break-even vs 62
age 74
Break-even vs 70
age 83
Freedom Coach™
Claim at 67: $2,400/mo · $518,400 lifetime.
Waiting from 62 to 70 grows your monthly check by ~77%. Break-even vs. claiming at 62 lands around age 74.
Premium
Save claim-age scenarios and coordinate with your spouse's benefit for maximum household lifetime income.
Unlock PremiumIt depends on health, marital status, and other income. Claim at 62 if you have short life expectancy or urgent income need. Delay to 70 if you're healthy and don't need the money — you get 24% more per month permanently.
Every year you delay past FRA (67 for most) adds ~8% to your monthly check. Every year early cuts ~6–7%. Total swing from 62 to 70: ~77% more per month.
Usually the higher earner should delay to 70 — that check becomes the survivor benefit for the surviving spouse. Lower earner can claim earlier.
If you claim before FRA and keep working, benefits are withheld $1 for every $2 over ~$22,320 (2025). This penalty disappears at FRA.
The trust fund is projected to hit shortfall around 2033. Even then, payroll taxes cover ~77% of benefits. Full elimination is not the base case.
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