VarStan Advisors · Retirement Planning
See what claiming early, on time, or late does to your monthly benefit — then find out which strategy actually keeps more in your pocket after taxes and longevity.
This sets your Full Retirement Age (FRA) under current SSA rules.
The monthly amount on your statement at ssa.gov/myaccount. Don't have it? Use an estimate.
Estimated monthly benefit at each milestone age.
The number above is only the starting point
Your optimal strategy depends on your other income, your tax bracket, a spouse's benefit and survivor protection, your health and longevity, and whether you're still working. VarStan builds the full picture — and the SSA's own estimate often differs from this figure once future earnings are re-projected. Let's find your number.
Book a free consultation →How this works & important disclosures. This calculator applies the Social Security Administration's standard early-retirement reduction factors (5/9 of 1% per month for the first 36 months before FRA, 5/12 of 1% per month beyond) and the delayed-retirement credit (2/3 of 1% per month, or 8% per year, up to age 70) to the Full Retirement Age benefit you enter, with FRA determined by your birth year. The break-even figure is a simple nominal comparison and ignores cost-of-living adjustments, taxes, and the time value of money. This tool is for educational purposes only, is not affiliated with or endorsed by the Social Security Administration, and does not constitute financial, tax, investment, or legal advice. Your official SSA estimate may differ because the SSA re-projects your future earnings separately for each claiming age. Consult a qualified advisor before making any claiming decision. © VarStan LLC.