Social Security Break-Even Calculator: break-even ages by assumed return

2026 law · reviewed September 6, 2026

The age at which the later claim's accumulated benefits first exceed the earlier claim's, for a full retirement age of 67, with every check earning the stated return from the month it arrives. No cost-of-living increase.
Claiming ages	0% return	2% return	4% return	6% return
62 vs 67	78 and 8 months	81	84 and 11 months	93 and 8 months
67 vs 70	82 and 6 months	84 and 10 months	88 and 8 months	97 and 3 months
62 vs 70	80 and 4 months	82 and 8 months	86 and 6 months	95 and 2 months

The age at which the later claim's accumulated benefits first exceed the earlier claim's, for a full retirement age of 67, with every check earning the stated return from the month it arrives. No cost-of-living increase..

Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.