Planning Center — Calculator

Social Security Timing Calculator

See how your claiming age can shape your Social Security income, lifetime benefits, and retirement strategy as a federal employee.

Free to use No data stored Personalized estimates
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Your Social Security information

Enter your estimates to compare claiming ages and see what they may mean for your retirement income.

Your FRA depends on your birth year. Born 1943–1954: 66. Born 1955–1959: 66 + 2–10 months. Born 1960 or later: 67.

Your estimated benefit at Full Retirement Age — find this at ssa.gov/myaccount

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This calculator is for educational and planning purposes only. Social Security estimates are approximate and may not reflect future legislative changes, earnings history, taxes, cost-of-living adjustments, or your individual circumstances. Consult your SSA statement and a qualified financial professional before making claiming decisions.

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