How much is my benefit permanently reduced if I claim early at age 62?

Claiming Social Security at age 62 results in an approximate 30% permanent reduction compared to your Full Retirement Age of 67.

What is Full Retirement Age (FRA) in the United States?

For individuals born in 1960 or later, Full Retirement Age is 67 years old.

USASocial Security Benefit (Age 62 vs 67 vs 70)Finanzen

US Social Security Retirement Benefit (Age 62, 67, 70) Calculator

Calculate your estimated monthly Social Security retirement checks across early claiming at age 62 (30% reduction), Full Retirement Age (FRA 67 = 100% PIA), and delayed retirement credits at age 70 (+24% permanent boost).

Ruhestand & Rente Sozialversicherung Finanzen & Investition

Eingabedaten

Echtzeit-Berechnung

Estimated Full Retirement (Age 67) Monthly Benefit ($/mo)

$/mo

Schnellauswahl:

Target Claiming Retirement Age

Berechnetes ErgebnisSocial Security Benefit (Age 62 vs 67 vs 70)

Estimated Monthly Social Security Benefit Check

2,600$/mo

Annual Guaranteed Social Security Income

31,200 $/mo

Monthly Gain or Loss vs. Full Age 67 Retirement

0 $/mo

Detaillierte Berechnungsübersicht

Base Benefit (Age 67)

2,600 $/mo

Monthly Payout

2,600 $/mo

Annual Income

31,200 $/mo

Berechnungsmethodik

At FRA (Age 67) = 100% PIA. Early Age 62 = PIA * 70%. Delayed Age 70 = PIA * 124% (adds 8% guaranteed per year delayed past FRA).

Wichtiger rechtlicher Hinweis

Full Retirement Age (FRA) is 67 for anyone born in 1960 or later. Benefits are indexed annually for inflation via Cost-of-Living Adjustments (COLA).

Dieser Rechner dient ausschließlich Informations- und Bildungszwecken. Die Ergebnisse stellen keine verbindliche Finanz-, Steuer- oder Rechtsberatung dar.

Häufig gestellte Fragen

For every year you delay claiming Social Security past your Full Retirement Age (FRA) up to age 70, your monthly benefit permanently increases by 8% per year.

Ähnliche Rechner

Empfohlene Rechner passend zu Ihrer aktuellen Berechnung

Alle Rechner anzeigen

USA

US Social Security Retirement Benefit (Age 62, 67, 70) Calculator

Eingabedaten

Detaillierte Berechnungsübersicht

Berechnungsmethodik

Wichtiger rechtlicher Hinweis

Häufig gestellte Fragen

Ähnliche Rechner

IRS Required Minimum Distribution (RMD) SECURE 2.0 Act Calculator

US FICA Tax, Social Security & Medicare Withholding Calculator

IRS Rule 72(t) SEPP Penalty-Free Early Retirement Withdrawal Calculator

US Short-Term Payday Loan Fee to True APR & Rollover Cost Calculator

US 401(k) Retirement Savings, Employer Match & Growth Calculator

US Health Savings Account (HSA) Contribution & Triple Tax Advantage Calculator

US Paycheck & Take-Home Pay (Hourly, Bi-Weekly, Monthly) Calculator

US Car Lease Payment & Money Factor to APR Converter Calculator