Free 1-page worksheet

Claim at 62, 67, or 70?

Claiming at 62 locks in 70% of your benefit for life; waiting to 70 gives 124%. Here's the honest math to find your number — no "always wait until 70."

  • The benefit-by-age table — 62 through 70 — on one page
  • Your break-even age, and what it really turns on
  • The married-couple survivor move most people miss
Free. Unsubscribe anytime. Educational only — not financial advice.
1-page PDFWhen to claim Social Security worksheet preview
Jeffrey Miller

I'm Jeffrey Miller. I break down retirement money in plain English, based on official SSA guidance. This worksheet is the same framework I use in my videos — no panic, no pitch.

This free 1-page worksheet runs your own numbers — what each age pays (62 vs 67 vs 70), your break-even age, and the married-couple survivor move most people miss. Built from the current SSA rules.

Read the full breakdown →

Educational only — not personal financial advice. Confirm your own numbers with the SSA at ssa.gov or a licensed professional before you file. Jeffrey Miller is an educator, not a financial advisor.