Social Security Claiming Calculator

Claim early for a smaller check sooner, or wait for a bigger check later. Compare up to three claiming ages and see when waiting pays off.

Benefit at Full Retirement Age

$/mo

From your Social Security statement at ssa.gov/myaccount. Birth Year

Full retirement age: 67

Claiming Ages to Compare

Assumed COLA

0% shows today’s dollars, like your statement. Project To Age

Your Claiming Options

Total Benefits Received by Age

Year-by-Year Totals

Uses Social Security’s formulas: claiming before full retirement age reduces your benefit by 5/9 of 1% a month for the first 36 months and 5/12 of 1% a month after that; waiting past full retirement age adds 2/3 of 1% a month (8% a year) until 70. Totals assume benefits start in the month you reach each claiming age and grow with the COLA you enter. Does not include spousal or survivor benefits, taxes, or the earnings test if you work while claiming before full retirement age. Educational illustration only.

How the Social Security Claiming Calculator Works

Enter your benefit at full retirement age and your birth year, then choose up to three claiming ages. The calculator shows each monthly benefit, the running totals, and the age at which waiting pays off.

What Your Claiming Age Means

When you claim is a lifelong decision. The right answer depends on your health, your spouse’s benefits, how you’ll cover the years before you claim, and how Social Security works with your pension, TSP and taxes. For many federal retirees, the FERS Supplement ending at 62 shapes the decision too. That’s the conversation we help you have.

New to federal benefits? Start with our Federal Retirement Workshop or learn what makes Stonebridge different.

Frequently Asked Questions About Social Security Claiming

What age should I claim Social Security?

There’s no single answer. Claiming at 62 pays less for longer; waiting until 70 pays about 24% more than full retirement age, for life. Your health, your spouse and your other income decide the best fit.

Do WEP or GPO still reduce benefits?

No. The Social Security Fairness Act ended both in January 2025, including for CSRS retirees.

How does the FERS Supplement affect my claim?

The Supplement ends at 62 no matter when you claim, so waiting past 62 means bridging that gap with other income.

Can I work and claim before full retirement age?

Yes, but earnings above the annual limit ($24,480 in 2026) temporarily reduce your benefit.

Ready to see how the pieces fit together for your specific situation?

Get Your Federal Retirement Report

How We Help Federal Employees Time Social Security

A Personalized Federal Retirement Roadmap

We bring together your pension, TSP, FEHB, FEGLI, survivor benefits, Social Security, and retirement timing into one coordinated retirement plan.
You’ll see where you stand today, the options available to you, your projected retirement income, and a retirement timeline you can move toward with confidence.

Plain-Language Guidance, Not Sales Pressure

Federal retirement is complicated enough without jargon, sales tactics, or manufactured urgency.
We explain your options clearly, answer your questions honestly, and help you understand the trade-offs before making decisions.
Decisions happen at your pace, not ours.

Colorado-Based Federal Retirement Specialists

Stonebridge is based in the Denver metro area and serves federal employees throughout Colorado’s Front Range.
Meet with us in person at our Inverness office or virtually from anywhere in Colorado.
When questions arise, you’ll have a local team you can reach, not a national call center.

Serving Federal Employees Across The Colorado Front Range

Stonebridge is based in the Denver metro area and works with federal employees throughout Colorado’s Front Range.

Our clients serve in a wide range of federal agencies and organizations across the state, including the Denver Federal Center, VA Eastern Colorado Health Care System, Buckley Space Force Base, the Internal Revenue Service, the United States Mint, NREL, NOAA, NIST, and many others.

We meet with clients in person at our Inverness office and virtually throughout Colorado.

Primary Service Area

Denver · Littleton · Highlands Ranch · Centennial · Lakewood · Englewood · Parker · Castle Rock · Aurora · Arvada · Westminster · Broomfield · Thornton · Wheat Ridge · Golden · Lone Tree

Extended Service Area

Colorado Springs · Boulder · Fort Collins · Loveland · Greeley · Pueblo

Get Your Federal Retirement Report

Workshop attendees are eligible to receive a personalized Federal Retirement Report at no cost and with no obligation. Built around your service history and benefits, it shows where you stand today and the decisions ahead: your pension, Social Security, survivor benefit, FEGLI, TSP and FEHB.

Register for an upcoming workshop to get started.

Get Your Federal Retirement Report

Can’t make a workshop? Contact us.