Answer a few questions in plain English. Get a personalized 3-scenario comparison — 62 vs your FRA vs 70 — with break-even analysis, tax strategy, and spousal coordination.
Use this reference table to compare claiming ages side by side for an illustrative $2,000/month Primary Insurance Amount (PIA). It assumes a 2.5% annual COLA and straight-line lifetime accumulation. Your actual benefits depend on your earnings record, marital status, and health outlook — the AI advisor below personalizes the math.
| Claiming Age | Monthly Benefit (illustrative $2,000 PIA) |
Lifetime Through Age 85 | Lifetime Through Age 90 | Lifetime Through Age 95 | Break-Even Age vs Age 70 |
|---|---|---|---|---|---|
| Age 62 (Early) | $1,400 | $387,200 | $456,400 | $513,000 | Age 80 (vs 70) |
| Age 67 (FRA) | $2,000 | $432,000 | $580,800 | $735,600 | Age 82 (vs 70) |
| Age 70 (Maximum) | $2,480 | $446,400 | $649,680 | $892,800 | — |
Reading the table: a $2,000 PIA reduced to $1,400/month at 62 (30% early-claim reduction) versus $2,480/month at 70 (24% delayed-retirement credit). If you live past age 82 — the average RetireStack user — delaying to age 70 wins by a wide margin.
How each strategy accumulates over time, including 2.5% annual COLA adjustments.
Year-by-year projection, Roth conversion calendar, spousal strategy, IRMAA impact, and state tax analysis — all in one shareable PDF.
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Data sources last verified: May 22, 2026. Primary sources: SSA.gov Benefit Facts, SSA Earnings Test, IRS SS Taxation Guide. AI responses are generated from these authoritative sources.
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