Take SS at 62
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1
date
SS Income
Savings Balance
EOM Interest
7.00%AGE12/1/1961
v.2 SS Income
Savings Balance
EOM Interest
2
12/1/20236736733.9362.0
G1 is the first of the month following 62nd Bday.
3
1/1/20246731349.937.8762.1
E1 is interest rate for investment of SS income (I think 9% is more likely)
4
1/31/20246732030.8011.8562.2
No Cost Of Living Adjustment is figured in.
5
3/2/20246732715.6515.8462.3
6
4/1/20246733404.4919.8662.3
7
5/2/20246734097.3523.9062.4
8
6/1/20246734794.2527.9762.5
9
7/2/20246735495.2232.0662.6
10
8/1/20246736200.2736.1762.7
11
9/1/20246736909.4440.3162.8
12
10/1/20246737622.7444.4762.8
13
11/1/20246738340.2148.6562.9
14
12/1/20246739061.8652.8663.0
15
1/1/20256739787.7257.1063.1
16
1/31/202567310517.8261.3563.2
17
3/3/202567311252.1765.6463.3
18
4/2/202567311990.8169.9563.3
19
5/3/202567312733.7674.2863.4
20
6/2/202567313481.0478.6463.5
21
7/3/202567314232.6783.0263.6
22
8/2/202567314988.7087.4363.7
23
9/2/202567315749.1391.8763.8
24
10/2/202567316514.0096.3363.8
25
11/2/202567317283.33100.8263.9
26
12/2/202567318057.15105.3364.0
27
1/2/202667318835.49109.8764.1
28
2/1/202667319618.36114.4464.2
29
3/4/202667320405.80119.0364.3
30
4/3/202667321197.84123.6564.3
31
5/4/202667321994.49128.3064.4
32
6/3/202667322795.79132.9864.5
33
7/4/202667323601.77137.6864.6
34
8/3/202667324412.44142.4164.7
35
9/3/202667325227.85147.1664.8
36
10/3/202667326048.01151.9564.8
37
11/3/202667326872.96156.7664.9
38
12/3/202667327702.72161.6065.0
39
1/3/202767328537.32166.4765.1
40
2/2/202767329376.78171.3665.2
41
3/5/202767330221.15176.2965.3
42
4/4/202767331070.44181.2465.3
43
5/5/202767331924.68186.2365.4
44
6/4/202767332783.91191.2465.5
45
7/5/202767333648.15196.2865.6
46
8/4/202767334517.43201.3565.7
47
9/4/202767335391.78206.4565.8
48
10/4/202767336271.23211.5865.8
49
11/4/202767337155.82216.7465.9
50
12/4/202767338045.56221.9366.0
51
1/4/202867338940.49227.1566.1
52
2/3/202867339840.64232.4066.2
53
3/5/202867340746.05237.6966.3
54
4/4/202867341656.73243.0066.3
55
5/5/202867342572.73248.3466.4
56
6/4/202867343494.07253.7266.5
57
7/5/202867344420.79259.1266.6
58
8/4/202867345352.91264.5666.7
59
9/4/202867346290.47270.0366.8
60
10/4/202867347233.49275.5366.8
61
11/4/202867348182.02281.0666.9
62
12/4/202867349136.08286.6367.0959.639579575.58
Five years in, I've saved the equivalent of 50 of the age 67 payments
63
1/4/202967350095.71292.2267.19571919.5811.20
My interest plus early retirement payment is greater than the full retirement payment.
64
2/3/202967351060.94297.8667.29572887.7816.85
65
3/6/202967352031.79303.5267.39573861.6322.53
66
4/5/202967353008.31309.2267.39574841.1528.24
67
5/6/202967353990.53314.9467.49575826.3933.99
68
6/5/202967354978.47320.7167.59576817.3839.77
69
7/6/202967355972.18326.5067.69577814.1545.58
70
8/5/202967356971.68332.3367.79578816.7351.43
71
9/5/202967357977.02338.2067.89579825.1657.31
72
10/5/202967358988.22344.1067.895710839.4763.23
73
11/5/202967360005.32350.0367.995711859.7069.18
74
12/5/202967361028.35356.0068.095712885.8975.17
75
1/5/203067362057.34362.0068.195713918.0581.19
76
2/4/203067363092.35368.0468.295714956.2487.24
77
3/7/203067364133.38374.1168.395716000.4993.34
78
4/6/203067365180.50380.2268.395717050.8299.46
79
5/7/203067366233.72386.3668.495718107.29105.63
80
6/6/203067367293.08392.5468.595719169.91111.82
81
7/7/203067368358.62398.7668.695720238.74118.06
82
8/6/203067369430.38405.0168.795721313.80124.33
83
9/6/203067370508.39411.3068.895722395.13130.64
84
10/6/203067371592.69417.6268.895723482.76136.98
85
11/6/203067372683.31423.9968.995724576.75143.36
86
12/6/203067373780.30430.3969.095725677.11149.78
87
1/6/203167374883.69436.8269.195726783.89156.24
88
2/5/203167375993.51443.3069.295727897.13162.73
89
3/8/203167377109.80449.8169.395729016.87169.27
90
4/7/203167378232.61456.3669.395730143.13175.83
91
5/8/203167379361.97462.9469.495731275.97182.44
92
6/7/203167380497.91469.5769.595732415.41189.09
93
7/8/203167381640.48476.2469.695733561.50195.78
94
8/7/203167382789.72482.9469.795734714.28202.50
95
9/7/203167383945.66489.6869.895735873.78209.26
96
10/7/203167385108.34496.4769.895737040.04216.07
97
11/7/203167386277.81503.2969.995738213.11222.91
98
12/7/203167387454.09510.1570.095739393.02229.79118611866.92
99
1/7/203267388637.24517.0570.195740579.81236.7211862378.9213.88
100
2/6/203267389827.29523.9970.295741773.52243.6811863578.8020.88
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