Wait or claim? Find your best age to start claiming Social Security benefits in about 5 minutes.
Free. No account. Answer a few simple questions and see what you would get at every age from 62 to 70. Unlike the Social Security chart, we take your specific circumstances into consideration - your age, health, spouse, and financial situation - to determine the optimal time that gives you the most income over your lifetime, not just the biggest first check.
- We never ask for your Social Security number.
- No account needed. We do not store your data.
- Recommendations based on official Social Security rules.
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.
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 detailed report will be offered at the end for $19, but it is optional.
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.