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The Retirement Modeler

When Should You Claim Social Security? Find Your Exact Crossover Point.

See the exact age when waiting pays off. Free, instant, and completely anonymous — no account required.

These are example numbers — enter your own below.
Wait until age 66 to claim — you come out ahead by age 79.
That's Social Security on its own. See how it fits your full retirement picture →
Break-Even Age Age 79
More in Your Pocket by 85 +$0
Scenario A — claim at 62 Scenario B — you choose
Drag to change when your benefit begins
Age 66
Cumulative Social Security Income Received, By Age
Age Scenario A — Total Received Scenario B — Total Received Ahead By
This is just Social Security — usually less than half of what you'll actually live on.
See how it fits with your pension, savings, and other income — 100% free.
See My Full Retirement Picture →
Carries over exactly what you entered above — you won't have to retype it on the next page.
Your complete Day 1 Income Statement is 100% free. Want to stress-test it through age 100 — factoring in your pension, other fixed income, and drawdowns from your retirement and savings accounts, and letting you dynamically test different rates of inflation and investment return? That's $30 for 12 months access.
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