social_security_claiming
Social Security claiming ages
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What claiming Social Security at each age pays, from 62 to 70, using the statutory reduction (5/9 of 1% a month for the first 36 months early, then 5/12 of 1%) and delayed retirement credits (2/3 of 1% a month to 70); the cumulative benefit by age with an optional COLA; the break-even ages between claiming ages; and optionally the case where early payments are invested at a return.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| benefit_at_full_retirement_age | number | yes | Monthly benefit at full retirement age (the PIA on the ssa.gov statement), in dollars. |
| full_retirement_age | number | no | Full retirement age, 66 to 67 for most people. Default 67. |
| cola | number | no | Annual cost-of-living increase in percent. Default 2.5. |
| invest_return | number | no | Return in percent if early payments not needed for spending are invested. Default 0. |
| claim_ages | array | no | Claiming ages to compare, 62 to 70. Default 62, full retirement age and 70. |
Raw JSON schema
{
"type": "object",
"properties": {
"benefit_at_full_retirement_age": {
"type": "number",
"description": "Monthly benefit at full retirement age (the PIA on the ssa.gov statement), in dollars."
},
"full_retirement_age": {
"type": "number",
"description": "Full retirement age, 66 to 67 for most people. Default 67."
},
"cola": {
"type": "number",
"description": "Annual cost-of-living increase in percent. Default 2.5."
},
"invest_return": {
"type": "number",
"description": "Return in percent if early payments not needed for spending are invested. Default 0."
},
"claim_ages": {
"type": "array",
"items": {
"type": "number"
},
"description": "Claiming ages to compare, 62 to 70. Default 62, full retirement age and 70."
}
},
"required": [
"benefit_at_full_retirement_age"
]
}