Calculadora INSS Online Grátis
Estimate Social Security benefits by claiming age with break-even analysis and cumulative comparison
Sobre Esta Calculadora
Your Social Security benefit amount depends on your earnings history and when you choose to claim. Full Retirement Age (FRA) is 67 for anyone born after 1960. Claiming at 62 permanently reduces your monthly benefit by up to 30%; delaying past FRA increases it by 8% for each year up to age 70 — a guaranteed, inflation-protected 8% return available nowhere else.
Example: if your FRA benefit is $2,000/month at age 67, claiming at 62 pays $1,400/month; waiting to 70 pays $2,480/month. The break-even between claiming at 62 vs. 67 occurs at roughly age 79. The break-even between 67 and 70 is around age 82.5.
Married couples have additional optimization options: one spouse can claim early while the other delays to 70, maximizing the survivor benefit (the surviving spouse keeps the higher of the two benefits for life). This strategy often produces significantly more cumulative lifetime income for couples where one spouse is in good health.
This calculator shows the cumulative benefit comparison at each claiming age and computes your personal break-even points — making an informed decision visible rather than based on guesswork.
Projete o montante pago pelo benefício dependendo de quando se aposenta.
Dicas
- Delaying from 62 to 70 increases monthly benefit by up to 77%.