Wait or claim? Find your best Social Security age in about 5 minutes.
Free. No account. Answer a few simple questions and see what you would get at different ages.
We never ask for your Social Security number.
Why people trust Wait or Claim
- We never ask for your Social Security number.
- Just a few numbers from your Social Security statement, or your best estimate.
- No account needed. Your answers are not stored on our servers.
- Based on official Social Security rules, with links to ssa.gov.
- Independent. Not affiliated with the Social Security Administration. Education, not financial advice.
How it works
- Tell us a few things. Your age, a number from your statement, and a little about your situation.
- We do the math. A calculator that follows Social Security's rules works out your amounts. No guessing.
- See your result. Amounts at 62, full retirement age and 70, a range that may suit you, and links to ssa.gov.
Video
Watch: how it works in 60 seconds
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Example result
Born in 1962, with $2,000 a month at full retirement age (an example, not you).
- Start early:$1,408 a month at age 62 and 1 month
- Full retirement age:$2,000 a month at age 67
- Wait until 70:$2,480 a month at age 70
Range that may suit this person: age 67 to 69
Quick answers
What is Wait or Claim?
It is a free guide that helps you think about when to start your Social Security retirement benefit. You answer a few questions. We show what you would get at different ages and a range of ages that may suit you.
Is it really free?
Yes. The answer you get at the end is free. You do not need an account. A longer report may be offered later, and it will always be your choice.
Do you ask for my Social Security number?
Never. We do not need it, and we do not want it. If you type one by mistake, we remove it and ask you not to share it.