Full retirement age if you were born in 1960
If you were born in 1960, your full retirement age is 67. For example, if you were born in June 1960, you reach it in June 2027.
Last updated: . Education, not financial advice.
The month you reach full retirement age
Your full retirement age is the same for every birth month in 1960, but the date you reach it moves with your birthday. This table assumes a birth after the 2nd of the month.
| Born in | Reach full retirement age in |
|---|---|
| January | January 2027 |
| February | February 2027 |
| March | March 2027 |
| April | April 2027 |
| May | May 2027 |
| June | June 2027 |
| July | July 2027 |
| August | August 2027 |
| September | September 2027 |
| October | October 2027 |
| November | November 2027 |
| December | December 2027 |
If you were born on January 1, 1960, Social Security treats you as born in 1959, and your full retirement age is 66 and 10 months.
Source: Full retirement age and reduction by claiming age (opens in a new tab)
What that means for your check
Starting at 62 is 60 months before full retirement age, which cuts the check by 30%. Waiting until 70 adds delayed credits. These amounts use a full benefit of $2,000.
| Start at | Monthly check | Share of full benefit |
|---|---|---|
| Age 62 | $1,400 | 70% |
| Full retirement age (67) | $2,000 | 100% |
| Age 70 | $2,480 | 124% |
Source: Full retirement age and reduction by claiming age (opens in a new tab), Delayed retirement credits (opens in a new tab), Early or late retirement calculator (opens in a new tab)
Break-even for your birth year
On a $2,000 full benefit, starting at 67 instead of 62 breaks even at age 78 and 8 months. For someone born in June 1960, that is February 2039. Starting at 70 instead of 67 breaks even at age 82 and 6 months, which is December 2042 for the same person.
Source: Early or late retirement calculator (opens in a new tab), Delayed retirement credits (opens in a new tab)
Survivor benefits
If you are a surviving spouse, your survivor full retirement age is 66 and 8 months, which is different from your own (67). You can start a survivor benefit as early as 60.
Source: Survivor benefits by age (opens in a new tab)
Working before full retirement age
In 2027, the limit for the year you reach full retirement age is $67,920. Only earnings before the month you reach full retirement age count, and $1 is held back for every $3 over the limit.
Source: Earnings limits while you work (opens in a new tab), Retirement earnings test exempt amounts (opens in a new tab)
Dates to know
- You turn 62 in 2022. Your first month of benefits is the month you turn 62 if you were born on the 1st or 2nd, and the month after for other birth days.
- You turn 65 in 2025, the age to sign up for Medicare. See Medicare enrollment (opens in a new tab).
- You turn 70 in 2030. Delayed credits stop then.
Source: Full retirement age and reduction by claiming age (opens in a new tab), Delayed retirement credits (opens in a new tab)
Common questions
What is my full retirement age if I was born on January 1, 1960?
Social Security counts a January 1 birth as the year before, so yours is 66 and 10 months.
Can I start Social Security at 62 if I was born in 1960?
Yes, from 2022. Your check is $1,400 instead of $2,000 on a $2,000 full benefit, which is 70%.
Sources
- Full retirement age and reduction by claiming age (opens in a new tab)
- Survivor benefits by age (opens in a new tab)
- Delayed retirement credits (opens in a new tab)
- Retirement earnings test exempt amounts (opens in a new tab)
- Medicare enrollment (opens in a new tab)
Keep reading
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Wait or Claim is independent. We are not affiliated with, endorsed by or connected to the Social Security Administration or any government agency. We give education, not financial, tax or legal advice. Check your own facts with Social Security (ssa.gov) before you file.