It depends on an individual’s circumstances ...

Impatience can be really expensive.

Filing for Social Security at 70 gives you the largest monthly benefit you can get. You’ll need to weigh the upside of larger monthly payments against having to wait. Calculate your break-even age ...

Full retirement age rises to 67 in 2026 for anyone born in 1960 or later. Claiming at 62 instead of 67 cuts benefits by 30% for life. Delaying benefits until 70 increases monthly payments by 24% above ...