Social Security Calculator · 2026

Social Security Benefits Calculator

Should you claim Social Security at 62, 67, or 70? Enter the monthly benefit you expect at 67 and how long you think you will live. See the monthly check and the lifetime total for each age.

Your Details
$
Find it on your Social Security statement at ssa.gov. In 2026 the average retired worker gets $2,071 and the most anyone gets at full retirement age is $4,152. Full retirement age is 67 if you were born in 1960 or later.
A guess is fine. Many people who reach 65 live into their mid-80s.
%
Social Security checks go up each year with inflation. The 2026 raise is 2.8%.
Benefit Comparison
Waiting until 67 beats 62 if you live past
0 yr
Waiting until 70 beats 67 if you live past
0 yr

Monthly amounts are in today's dollars: 70% of your full benefit at 62, 100% at 67, 124% at 70 (rules for people born in 1960 or later). Lifetime totals and the "live past" ages add the yearly cost-of-living raise from today; with no raises those ages are 78 years 8 months and 82 years 6 months. Taxes, working while claiming and Medicare premiums are not included.