Retirement timing tool
Social Security Benefit Calculator
Compare total lifetime Social Security benefits based on when you start collecting and how long you expect to live.
Benefit Inputs
Enter your estimated monthly benefit amounts from your Social Security statement.
Total Lifetime Benefit
$0
Total estimated benefits for your selected age.
Estimated monthly benefit
$0
Based on the selected claiming age.
Collection period
0 months
From claiming age through expected lifespan.
Lifetime Benefit Comparison
These totals compare common claiming ages using your expected lifespan.
| Claiming age | Monthly benefit | Months collected | Total benefit |
|---|
Important assumptions
- This calculator estimates total gross lifetime benefits only.
- It uses straight-line estimates between your entered age 62, 67, and 70 monthly benefits.
- It does not include taxes, COLA increases, inflation, investment returns, spousal benefits, survivor benefits, Medicare premiums, or present-value discounting.
- Use your official Social Security statement for the most accurate benefit estimates.