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Social Security: when should you claim?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See what you would get each month at every age from 62 to 70, and which age gives the most money by age 85.

Rules from the Social Security Administration. Estimate only.

Common questions

What is the full retirement age?

67 for people born in 1960 or later.

How much do I get for waiting?

8% more for each year after 67, up to age 70.