Use the optimizer below to get a quick guess of your optimal claim age, based on how long you expect to live. 


This is just a very basic calculator. Social Security gets a lot more complicated after factoring in all the special rules for claiming. If you'd like to optimize Social Security, try our full optimizer.

The right strategy could result in thousands dollars of additional payments a year.

The planner is absolutely free--no credit card information required!

Learn more about how Harbor's expert software will help you maximize your Social Security.

How it works

If you take payments at a younger age you may get a few extra years of payments, but your payments will be lower.  If you take payments later you'll miss out on a few years of payments, but you'll get more with every Social Security check.  Eventually, if you live long enough, a fewer large checks becomes a greater total of money paid to you than more small checks.  


If you want to get a more accurate picture of your Social Security estimate and build a retirement plan that doesn't leave money on the table, try Harbor's Planner for free.