Before you begin, log into ssa.gov and look up your estimated monthly benefit at your baseline retirement age. That one number is all you need. Everything else this calculator figures out for you. This tool is designed for women navigating retirement on their own terms, with clear explanations at every step, no financial jargon, no assumptions.
Age 62
The earliest you can claim. Your monthly benefit is permanently reduced by up to 30%. You receive more checks over your lifetime but each one is smaller.
Age 67
This is called your full retirement age but it does NOT mean the largest benefit available. It simply means you receive your baseline benefit with no penalty. If you earn income while collecting before this age, some of your benefits may be withheld temporarily.
Age 70
This is the largest monthly amount Social Security will ever pay you. For every year you delay past your baseline age, your benefit grows by 8%. It stops growing at age 70. There is no benefit to waiting past age 70.
Five quick fields. We'll calculate everything else for you.
Used to calculate your exact baseline retirement age and benefit reductions.
Find this at ssa.gov by creating a free my Social Security account.
Used to calculate any temporary withholding if you claim before your baseline retirement age.
Helps estimate how much of the gap you would need to cover.
Used to estimate what early benefits could earn if invested.
Enter your date of birth and baseline monthly benefit to continue.
Social Security rules are complex and individual situations vary. This calculator provides estimates for educational purposes. Always verify your numbers at ssa.gov and consider speaking with a financial advisor for decisions of this magnitude.
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Fill in your date of birth and baseline benefit above first.
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