Social Security 67 vs 70 Calculator

Social Security claiming calculator

See whether waiting until 70 could make your retirement plan last longer. Compare claiming Social Security at 67 versus delaying until 70 and see how the decision changes later income and the longevity of your savings.

How this calculator works. This compare scales the check the way U.S. delayed retirement credits work: the model treats 67 as full retirement age and age 70 as 24% higher, then runs the same spending path with fewer years of checks. Your actual full retirement age depends on birth year.

Limitations. Educational projection only. It is not a Social Security Administration estimate. Benefits, taxes, and earnings tests can differ from this model. Last reviewed September 2026.

Free to use · No account required · Assumptions shown · Educational planning tools

Your entered plan

Enter the Social Security check at the start age you know. This run scales that check to 67 and 70 and compares how far the same spending path lasts. Pension at $0 is skipped.

Current age

Full-time work ends

Plan through ageLongevity target, not a prediction. First person when two persons is on.

Current retirement savings

Annual savings until retirementSame dollar amount each year unless you turn on the inflation toggle below.

Lifestyle spending / yearHousing, food, travel — not medical.

Healthcare spending / yearPremiums + out-of-pocket today.

Social Security / yearToday’s dollars, with COLA (rises with general inflation).

Social Security starts

Pension / yearLeave at 0 to skip. COLA is on unless you turn it off.

Pension starts

Pension COLAOn = this pension rises with inflation. Off = a fixed annual amount.

▶Rates

Same market and inflation rates as the other tools.

General inflation

Healthcare inflation

Return before retirementGrows current savings (future value) and annual deposits until full-time work ends. Deposits stay level unless the inflation toggle is on.

Return in retirement