💵Your Social Security Details

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📈Cumulative Benefits Comparison

💡How This Works

This calculator compares claiming Social Security early vs. waiting, showing both nominal and time-value-adjusted break-even ages.

  • Break-Even Age: When cumulative benefits catch up
  • Time Value: Accounts for investment opportunity cost
  • COLA: Annual benefit increases
  • Discount Rate: What you could earn investing

🎯Key Insights

  • +8% per year: Benefits grow ~8% for each year you delay (62-70)
  • Longevity risk: If you live past break-even, delaying pays off
  • Health matters: Poor health = claim early, good health = wait
  • Other income: If you have other retirement income, delaying can make sense

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