ClaimWhen helps people approaching retirement — and the adult children helping a parent — answer one hard question: when should I claim Social Security? Enter your birth year, your estimated benefit at full retirement age, and a life-expectancy assumption, and the calculator shows your lifetime benefit at every claim age from 62 to 70, your break-even ages, and a recommended range you can print.
Every number on the site comes from the Social Security Administration's published formulas: the full-retirement-age schedule, the early-claiming reduction, delayed-retirement credits, and the annual cost-of-living adjustment. We also publish a plain-language answer to “does my state tax Social Security benefits?” for all 50 states and the District of Columbia. We do not collect your earnings record, and we have no relationship with the SSA.
ClaimWhen is independent and is not affiliated with the Social Security Administration or any government agency. It provides general educational information, not financial or tax advice.
Updated July 2026