How much are delayed retirement credits worth?

Credits generally equal about 2/3 of 1% per month (8% per year) for each month you delay past FRA, up to age 70. Credits stop accruing at 70.

Do spousal benefits earn delayed retirement credits?

No. Spousal benefits do not earn DRCs past FRA. DRCs apply to your own retirement benefit when you delay claiming past FRA.

What if I delay only partway to 70?

Enter the age you plan to claim (between FRA and 70). The calculator prorates credits for the months delayed.

Is delaying always better?

Not for everyone. Delaying raises the monthly check but shortens the years of payments. Compare with the Early vs Late and Break-Even calculators and your health, work, and income needs.

Independent estimate · Not SSA

Delayed credits

Delayed Retirement Credits Calculator

See how much your monthly benefit can increase when you delay claiming past Full Retirement Age, earning delayed retirement credits up to age 70 (about 8% per year).

Official Data Verification: Published SSA rule planning model

Audited against Federal Reserve Holiday Calendar

Primary Authority: Social Security Administration (SSA)

Regulatory Basis: POMS GN 02401.000 & 20 CFR § 404.1807

Transparency & Trust:Our Methodology•Official Data Sources•Editorial & Accuracy Policy•Report Correction

Delay scenario

PIA at FRA ($ / mo)

Birth year

Delay until age

FRA: 67 years

Delayed monthly benefit

$2,480