Social Security Benefits by Age: Payment Chart
Your Social Security benefit can change depending on when you start receiving retirement benefits. Begin at 62, claim the unreduced amount at Full Retirement Age, or increase the monthly check by delaying up to age 70.
Social Security Benefits by Age
This guide explains how claiming age changes your benefit, with birth-year FRA rules and age-by-age examples. For a streamlined visual dollar chart, use the Benefits Pay Chart by Age.
Your FRA: 67 years
At age 62
$1,400
−30% vs FRA · 70% of PIA
At Full Retirement Age
$2,000
100% · FRA 67 years
At age 70
$2,480
+24% vs FRA · 124% of PIA
Calculate your benefit at each age
| Claiming age | Compared with FRA | Estimated monthly | Annual |
|---|---|---|---|
| 62 | Reduced (−30%) | $1,400 | $16,800 |
| 63 | Reduced (−25%) | $1,500 | $18,000 |
| 64 | Reduced (−20%) | $1,600 | $19,200 |
| 65 | Reduced (−13.33%) | $1,733 | $20,796 |
| 66 | Reduced (−6.67%) | $1,867 | $22,404 |
| 67 (FRA) | 100% (FRA) | $2,000 | $24,000 |
| 68 | Increased (+8%) | $2,160 | $25,920 |
| 69 | Increased (+16%) | $2,320 | $27,840 |
| 70 | Increased (+24%) | $2,480 | $29,760 |
How much Social Security at each age?
Benefit reduction by birth year
FRA and maximum age-62 reduction by birth cohort (SSA retirement-age rules).
| Birth year | FRA | Max reduction at 62 |
|---|---|---|
| 1943–1954 | 66 years | 25% |
| 1955 | 66 years, 2 months | 25.83% |
| 1956 | 66 years, 4 months | 26.67% |
| 1957 | 66 years, 6 months | 27.5% |
| 1958 | 66 years, 8 months | 28.33% |
| 1959 | 66 years, 10 months | 29.17% |
| 1960 or later | 67 years | 30% |
Delayed retirement credits
Delay past FRA and your benefit can rise until age 70. For people born in 1943 or later, delayed retirement credits are generally 8% per year. With your inputs: FRA $2,000 → age 70 $2,480/mo.
Which age gives the highest monthly payment?
Age 70 for your own retirement benefit in most cases — credits stop accruing there. Highest monthly pay is not always the best claiming decision; compare lifetime tradeoffs on the Break-Even Calculator.
Compare claiming strategiesBenefits by age vs. benefits by earnings
This page answers how claiming age changes the check. To estimate the FRA benefit itself from earnings or a statement amount, use the Benefit Estimator. For a visual dollar bar chart, use the Pay Chart tool.
Official SSA sources
Frequently asked questions
Related tools
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.
How much Social Security will I get at 62?
$1,400/mo
$16,800 / year · 70% of FRA
Earliest retirement claiming age for most workers.