Tools → Retirement
Social Security Optimizer
Model breakeven ages and lifetime benefits at each claiming age — including spousal strategy.
58
$1,800/mo
$2,400/mo
$2,976/mo
85 yrs
2.5%
Optimal claiming age at your expected longevity
Age 62
Lifetime benefits: $698,739
Claim at 62
$1,800/mo
Total: $698,739
Claim at 67
$2,400/mo
Total: $689,645
Claim at 70
$2,976/mo
Total: $692,107
Breakeven ages
Age 62 vs 67: waiting pays off afterAge 77
Age 67 vs 70: waiting pays off afterAge 80
Cumulative lifetime benefits by claiming age
Age 65
Age 70
Age 75
Age 80
Age 85
Claim at 62
Claim at 67
Claim at 70
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →
Get your personalised Social Security estimate at ssa.gov/myaccount. This tool uses inputs you provide — it does not connect to SSA data.