SS Benefits Calculator

Compare two Social Security claiming ages from 62 to 70. See estimated monthly amounts, cumulative totals through an age you choose, and the break-even age when the cumulative amounts meet. Change the comparison end age and see how the totals change. Key features: • Enter your gross monthly benefit at full retirement age (FRA) from your SSA statement, or select a labeled annual-earnings illustration • Compare any two claiming ages, including equal ages, with monthly and cumulative differences • View all nine claiming ages with amount bars and a separate FRA reference • See when a crossover is beyond your comparison period or does not occur • Explore an optional assumed 2.5% annual COLA, off at every app launch • Save up to three named scenarios on your device and preview a comparison before sharing • Open Details for separate taxable-benefit, spousal FRA arithmetic, Medicare Part B and before-FRA-year earnings examples Estimate limits: Annual-earnings illustrations use a selected 2026 or 2027 eligibility-year formula and assume 35 identical earning years without wage indexing or annual taxable caps. Published formula values are not a personal benefit forecast. Birth year gives approximate timing. Optional COLA is a comparison assumption, not a prediction of future SSA increases. Main totals exclude taxes, Medicare premiums, investment returns and discounting. Details use their own labeled rules and years and are never added to the main comparison. FRA-year earnings withholding and early spousal-benefit calculations are not provided because the app does not collect the required timing and eligibility information. All features are free. Calculations and saved scenarios work offline; external links need internet. The app has no ads, tracking prompt, account or subscription. The app interface is in English. Independent educational estimates, not personal financial advice. This app is not affiliated with or endorsed by the Social Security Administration. Actual benefits depend on your earnings history and eligibility. Verify your official personal estimate and record with SSA at ssa.gov.