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Find your SSA full retirement age and estimated benefits at 62, full age, and 70. Free, no signup.

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Full Retirement Age Calculator — When Can I Claim Full Social Security?

Your full retirement age depends on the year you were born — it is 65, 66, or 67, with graded months in between. Enter your birth year and month to find your exact full retirement age, the month you reach it, and estimated monthly benefits at 62, at full retirement age, and at 70.

Find your full retirement age

$

Find your estimate in your my Social Security account. If you do not know it, $2,000 is a reasonable example to explore with.

Your full retirement age
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At age 62
$0
—
At full retirement age
$0
100% of your benefit
At age 70
$0
—
Earliest claiming date
—
age 62, first month you can claim
Age 70 date
—
delayed credits stop at 70
Break-even: claiming at 62 vs full age
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Estimates, not a Social Security statement: these figures apply the SSA early-claiming reduction (5/9 of 1% per month for the first 36 months early, then 5/12 of 1% per month) and delayed retirement credits by birth year (8% per year for those born in 1943 or later; lower rates for earlier birth years, shown in the table below). They ignore cost-of-living adjustments, taxes, earnings-test withholding, spousal and survivor benefits, and any future law changes. Your actual benefit comes from your own earnings record — check your my Social Security statement for the authoritative number.
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Unlimited retirement-age calculations with benefit estimates at 62, full age, and 70 — free, no limits.

How to use the full retirement age calculator

  1. 1Enter your birth year and month

    Your full retirement age is set by your birth year; the month pins down the calendar month you reach it.

  2. 2Enter your benefit at full retirement age

    Use the estimate from your my Social Security account if you have it. The default $2,000 is just an example.

  3. 3Compare claiming at 62, full age, and 70

    See the monthly reduction for claiming early and the delayed-credit increase for waiting until 70, side by side.

  4. 4Note your break-even age

    The break-even age is when total benefits from claiming at 62 catch up to total benefits from waiting until full age — a useful starting point, not a recommendation.

The SSA full retirement age table used by this calculator

This is the official Social Security Administration schedule. If you were born on January 1, the SSA treats you as if you were born in the previous year, so your full retirement age follows the earlier row — a small edge case worth knowing.

Birth yearFull retirement ageDelayed credit rate per year
1937 or earlier65 years6.5% (1937–1938; lower for earlier years)
193865 years, 2 months6.5%
193965 years, 4 months7%
194065 years, 6 months7%
194165 years, 8 months7.5%
194265 years, 10 months7.5%
1943–195466 years8%
195566 years, 2 months8%
195666 years, 4 months8%
195766 years, 6 months8%
195866 years, 8 months8%
195966 years, 10 months8%
1960 or later67 years8%

Delayed credits stop at age 70 — there is no benefit to delaying past 70. Early-claiming reductions: the first 36 months before full retirement age reduce the benefit by 5/9 of 1% per month (20% over three years), and each additional month reduces it by 5/12 of 1%.

Why people use this calculator

Your exact full retirement age

Not just the year — the calculator adds the graded months for birth years 1938–1942 and 1955–1959, so you get 65 years 6 months, not just "about 65".

The month you reach it

Birth month plus full retirement age gives the calendar month you reach full age — the month your unreduced benefit starts.

Early vs late, in dollars

Claiming at 62 can cut a $2,000 benefit to $1,400 at full age 67; waiting until 70 can raise it to $2,480. Seeing both numbers makes the trade-off concrete.

Break-even age, explained

The calculator shows when claiming early stops being ahead in total dollars received — the key number for comparing claiming ages.

Birth-year-accurate delayed credits

Delayed credits were lower for earlier birth years. The calculator applies your birth year's rate instead of assuming 8% for everyone.

Honest about its limits

Every estimate is labeled as an estimate, and the page states plainly what it leaves out: cost-of-living adjustments, taxes, and spousal benefits.

Full retirement age calculator FAQs

What is full retirement age?
Full retirement age is the age at which you can claim 100% of your Social Security benefit. It ranges from 65 to 67 depending on your birth year, with graded months for birth years 1938–1942 and 1955–1959.
What is the full retirement age for someone born in 1960 or later?
67 years. Anyone born in 1960 or later has a full retirement age of 67, the highest in the current schedule.
Can I claim Social Security before my full retirement age?
Yes, as early as age 62, but your monthly benefit is permanently reduced: 5/9 of 1% per month for the first 36 months early, then 5/12 of 1% per month. At full age 67, claiming at 62 means a 30% reduction.
What happens if I delay claiming until 70?
Your benefit grows by delayed retirement credits — 8% per year for people born in 1943 or later — up to age 70. At full age 67, waiting until 70 raises the benefit by 24%. Credits stop at 70, so delaying further adds nothing.
What is the break-even age?
The break-even age is when the total dollars received from claiming early catch up to the total from waiting. For example, with a $2,000 full-age benefit at age 67, claiming at 62 pays $1,400 a month but starts 60 months sooner; the totals cross at about age 78 years 8 months. It ignores cost-of-living adjustments and taxes.
Does this calculator use my actual Social Security record?
No. It uses the benefit at full retirement age that you enter, plus the SSA reduction and delayed-credit formulas. Your authoritative estimate is in your my Social Security account, based on your actual earnings history.
If I was born on January 1, which year counts?
The SSA treats a January 1 birthday as if you were born in the previous year for full retirement age purposes. If you were born January 1, 1960, your full retirement age follows the 1959 row: 66 years, 10 months. This calculator uses the birth year you enter; adjust the year down by one if your birthday is January 1.

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