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Social Security Break Even Calculator
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Social Security Break-Even Calculator

Compare claiming Social Security at an earlier age with a smaller benefit versus waiting for a larger benefit. This tool estimates the age when the “wait” strategy catches up in total dollars paid.

Option 1: Claim Earlier

Option 2: Claim Later

Assumes benefits are paid monthly and ignores inflation and investment returns. This is an educational tool only, not financial advice.

Disclaimer: RetireCoast has created this calculator for the exclusive use of our readers. Visit this site as often as you like and try out our large variety of calculators. We believe that the results will be calculated correctly, but we are not responsible for the results or for the data that visitors enter. If you would like to retain a printed or electronic copy of the results, please use the print-screen keys on your computer or mobile phone.
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