Your monthly benefit at 62, full retirement age, and 70 — and the break-even age.
SSA 2026 rules: FRA is 67 (born 1960+), 66–66½ (born 1955-1959), 66 (born 1943-1954). Early-claim reduction is 5/9 of 1% per month for the first 36 months early, 5/12 of 1% beyond. Delayed retirement credits add 2/3 of 1% per month (8%/yr) past FRA up to age 70. Ignores COLA, taxation of benefits, and spousal/survivor strategy. Estimates only — not financial advice.