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Rubric Advisors · Disciplined Wealth Management · 100% Fiduciary Commitment · Fee Only
Rubric Advisors · 100% Fiduciary · Fee Only
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Compare your estimated Social Security benefits at every claiming age from 62 to 70. See break-even ages and cumulative lifetime income.
Your FRA depends on your birth year. For those born 1955–1959, FRA is 66 plus 2 additional months for each year after 1954. For 1960 or later, FRA is 67.
If you claim before FRA, your benefit is permanently reduced: 5/9 of 1% per month for the first 36 months before FRA, and 5/12 of 1% per month for additional months. Claiming at 62 results in the maximum reduction.
If you delay past FRA (up to age 70), your benefit increases by 8% per year (2/3 of 1% per month). No additional credit past age 70.
The age at which total cumulative benefits of a later claiming strategy surpass an earlier one. If you live past the break-even age, delaying produced more total income.
This tool uses simplified SSA formulas and does not account for taxes, spousal/survivor benefits, the earnings test, COLAs, other income sources, or the time value of money.
Your Full Retirement Age: 67(Find your PIA on your SSA statement at ssa.gov)
Claim at 62
$1,750/mo
-30.0% vs FRA
Claim at FRA (67)
$2,500/mo
Your stated PIA
Claim at 70
$3,100/mo
+24.0% vs FRA
Assumes benefits begin at the start of the claiming age. Does not account for COLAs or the time value of money.
FRA beats 62 at age
78
7 years before your life expectancy
Age 70 beats 62 at age
80
5 years before your life expectancy
Age 70 beats FRA at age
82
3 years before your life expectancy
Monthly Benefit
$2,167
-13.3% vs FRA
Annual Benefit
$26,000
Cumulative at 85
$546,000
Our advisors can integrate Social Security into your complete retirement income plan, considering taxes, spousal strategies, and your full financial picture.
Schedule a Free ConsultationAll calculations are performed in your browser. No data is transmitted or stored.
This tool uses simplified SSA formulas for educational illustration. Your actual benefit depends on your complete earnings history, filing status, and other factors not captured here. This calculator does not account for:
This tool is not a substitute for personalized financial advice. Please consult a qualified financial advisor before making claiming decisions. Rubric Advisors, LLC accepts no liability for any loss or damage arising from the use of this tool. All computation happens entirely in your browser and no data is transmitted or stored.
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