See your estimated Social Security monthly benefit at every claim age from 62 to 70 — including the break-even point and total lifetime benefit at each age.
Social Security replaces roughly 40% of average pre-retirement income. Claiming at 62 vs. 70 can differ by 76% in monthly benefit (roughly $1,400 vs. $2,464 at FRA benefit of $1,800). The break-even age for delayed claiming is typically 82–83 — if you expect to live past that age, delaying benefits is usually the financially optimal choice. Married couples have additional optimization strategies involving spousal benefits.