Social Security Comparison
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Optimize Your Retirement - Claiming Social Security at Various Ages
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Input data in yellow cells to start. Data in the green cells may be changed but not required.
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Benefit Amount at Age:
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62$1,463
NPV of Social Security at 62:
$631,751
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67 (or FRA)$2,113
NPV of Social Security at 67:
$679,333
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70$2,620
NPV of Social Security at 70:
$696,061
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Annual COLA3.00%
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NPV*2.50%
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Claiming at 62Claiming at 67Claiming at 70
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AgeAnnualCumulativeAnnualCumulativeAnnualCumulative
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62$17,556$17,5560000
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63$18,083$35,6390000
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64$18,625$54,2640000
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65$19,184$73,4480000
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66$19,759$93,2070000
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67$20,352$113,559$25,356$25,35600
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68$20,963$134,522$26,117$51,47300
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69$21,592$156,114$26,900$78,37300
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70$22,239$178,353$27,707$106,080$31,440$31,440
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71$22,907$201,260$28,538$134,618$32,383$63,823
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72$23,594$224,854$29,395$164,013$33,355$97,178
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73$24,302$249,155$30,276$194,289$34,355$131,533
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74$25,031$274,186$31,185$225,474$35,386$166,919
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75$25,782$299,968$32,120$257,594$36,448$203,367
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76$26,555$326,523$33,084$290,678$37,541$240,908
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77$27,352$353,874$34,076$324,754$38,667$279,575
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78$28,172$382,046$35,099$359,853$39,827$319,402
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79$29,017$411,064$36,152$396,005$41,022$360,424
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80$29,888$440,952$37,236$433,241$42,253$402,677
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81$30,785$471,736$38,353$471,594$43,520$446,197
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82$31,708$503,444$39,504$511,098$44,826$491,023
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83$32,659$536,104$40,689$551,787$46,171$537,194
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84$33,639$569,743$41,910$593,696$47,556$584,750
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85$34,648$604,391$43,167$636,863$48,982$633,732
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86$35,688$640,079$44,462$681,325$50,452$684,184
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87$36,758$676,837$45,796$727,121$51,966$736,150
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88$37,861$714,698$47,170$774,291$53,524$789,674
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89$38,997$753,695$48,585$822,875$55,130$844,805
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90$40,167$793,862$50,042$872,918$56,784$901,589
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91$41,372$835,234$51,544$924,461$58,488$960,076
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92$42,613$877,847$53,090$977,551$60,242$1,020,319
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93$43,891$921,738$54,683$1,032,233$62,050$1,082,368
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94$45,208$966,947$56,323$1,088,556$63,911$1,146,279
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95$46,564$1,013,511$58,013$1,146,569$65,828$1,212,108
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96$47,961$1,061,472$59,753$1,206,322$67,803$1,279,911
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97$49,400$1,110,872$61,546$1,267,868$69,837$1,349,748
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98$50,882$1,161,755$63,392$1,331,260$71,932$1,421,681
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99$52,409$1,214,163$65,294$1,396,554$74,090$1,495,771
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100$53,981$1,268,144$67,253$1,463,806$76,313$1,572,084
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*The NPV amount is based on benefits received up to age 95.
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Claiming SS at Various Ages
 
 
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