# SS Benefits Calculator — SS Benefits by Age Calculator

> SS Benefits by Age Calculator (iPhone/iPad app by HeungYeol Kim.)

- Source: https://appshunter.io/ios/app/ss-benefits-calculator/id6762075146 (this page in markdown: same URL + `.md`)
- Developer: [HeungYeol Kim](https://appshunter.io/developer/1878087341)
- Category: Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 24 MB
- Languages: English
- Released: 2026-04-17
- Data updated: 2026-06-26
- User reviews in markdown: https://appshunter.io/ios/app/ss-benefits-calculator/id6762075146/reviews.md

## What is SS Benefits Calculator?

Wondering when to claim Social Security? This free calculator helps you estimate your monthly benefits at every age from 62 to 70 — powered by the official SSA 2026 formula.

Key Features:
• Monthly benefit estimate for ages 62–70
• Full Retirement Age (FRA) calculation based on your birth year
• Break-even analysis: when does delaying actually pay off?
• Lifetime earnings comparison table (projected to age 85)
• Visual bar chart comparing all claiming ages
• Inputs saved automatically for next time

How It Works:
Enter your birth year and average annual earnings. The app uses the SSA bend point formula (AIME → PIA) to calculate your Primary Insurance Amount, then applies the official early/delayed claiming factors to show your benefit at every age.

Did You Know?
Claiming at 70 instead of 62 can increase your monthly check by over 75%. But your break-even age matters — if you don't live past ~80, claiming early may come out ahead.

Disclaimer: Estimates are based on the SSA 2026 benefit formula. Actual benefits depend on your full earnings history. Consult SSA.gov or a financial advisor for personalized advice.


## Version history (last 5 releases)

### 1.0.11 — 2026-06-14

v1.0.11 Update

New features
- Longevity Sensitivity card: see how your optimal claiming age shifts across a shorter, expected, and longer lifespan — the single biggest factor in the claim-timing decision, at a glance

### 1.0.10 — 2026-06-07

v1.0.10 Update

New
- Medicare Part B premium and net check estimator: Part B premiums are deducted directly from your SS check. Enter your filing status and MAGI to see your monthly net benefit after Medicare, including any high-earner IRMAA surcharge based on the 2026 brackets

### 1.0.7 — 2026-05-30

v1.0.7 Update

New Feature
- Share your results — the share button now opens the share sheet to send your benefits summary via Messages, email, or any app

Previous Updates
- Optimal Claiming Age banner shows large age number prominently

### 1.0.4 — 2026-05-16

v1.0.4 Update

New Features
- Interstitial ad - smooth transition ad after every 3 calculations

Previous Updates
- Dark theme redesign
- Improved slider and input field readability
- Dark style for scenario saving sheet

### 1.0.0 — 2026-04-17

No release notes.

## More apps by HeungYeol Kim

- [포트체크 - 투자 자산 관리](https://appshunter.io/ios/app/id6759322081)
- [뽀모도로 - 집중 타이머](https://appshunter.io/ios/app/id6759513828)
- [차량 정비 기록](https://appshunter.io/ios/app/id6759518487)
- [백색소음 - White Noise](https://appshunter.io/ios/app/white-noise/id6759559969)
- [D-Day 기념일](https://appshunter.io/ios/app/d-day/id6759724605)
- [Blossom, Foliage & Snow Korea](https://appshunter.io/ios/app/blossom-foliage-and-snow-korea/id6759779988)

All apps by HeungYeol Kim: https://appshunter.io/developer/1878087341

## Related topics

[공무원연금 예상 수령액](https://appshunter.io/ios/topics/)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-26.*