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Social Security Break-Even Calculator
Find the age at which delaying Social Security benefits pays off.
About This Calculator
The break-even age for claiming Social Security at 70 versus 62 typically falls between ages 78 and 82. If you live past your break-even age, delaying was mathematically advantageous. Americans reaching 65 have a 50% chance of living past 85, tilting the odds in favor of delay for many people — especially those in good health.