Skip to content
Social Security Online 		Benefit Calculators
www.socialsecurity.gov
 
Office of the Chief Actuary SSA logo: link to Social Security Online home

Break-Even Age

Updated October 24, 2005
Introduction At your break-even age, the accumulated value of higher benefits (from postponing retirement) will start to exceed the accumulated value of lower benefits (from choosing early retirement). To use this form, you will need benefit estimates, in today's dollars, for each age at which you may wish to retire. An excellent source for such estimates is your Social Security Statement.
Enter your information

Replace the example values with the numbers you want to use.

Enter the earlier retirement age:
Estimated break-even age

 Your estimated break-even age is .
If you expect to live beyond this age, it would be to your advantage to delay your retirement.

Note: interest is not considered in the calculation.

If the calculation did not work for you, make sure Javascript is enabled for your browser.

 Link to FirstGov.gov: U.S. Government portal Privacy Policy  | Website Policies & Other Important Information  | Site Map
Need Larger Text?