See what your monthly benefit would be at every claiming age between 62 and 70.
Look this up at ssa.gov/myaccount. Type 0 to see percent-based factors.
Age 62
Earliest age — locks in a permanent 30% reduction
$2,100
70% of FRA
Age 63
$2,250
75% of FRA
Age 64
$2,400
80% of FRA
Age 65
$2,601
87% of FRA
Age 66
$2,799
93% of FRA
Age 67
Full Retirement Age — assumed 67 for those born in 1960 or later
$3,000
100% of FRA
Age 68
+8% per year delayed
$3,240
108% of FRA
Age 69
$3,480
116% of FRA
Age 70
Maximum — no benefit to waiting past 70
$3,720
124% of FRA
Note: The chart assumes a Full Retirement Age of 67. If you were born before 1960, your FRA is between 66 and 66 years 10 months — the percentages shift slightly. Your actual benefit also depends on your lifetime earnings.