YTS Wealth Management

Retirement Planning Tools

Name: YTS Wealth Management
Address: 4000 Triangle Lane, Export, PA, 15632, US
Telephone: 724-733-4334

Social Security Claiming

Age Calculator

One of the most common retirement planning questions is, "When should I claim Social Security?" This tool compares two filing ages to identify your break-even age—the point at which the cumulative benefits from claiming later exceed those from claiming earlier. Filing age is just one part of a comprehensive retirement income plan and should be considered alongside health, life expectancy, other income sources, spousal benefits, and taxes.

Retirement Income Planning

Compare Your Social Security Claiming Options

Your information

Birth year
Full Retirement Age: 67

Monthly benefit at Full Retirement Age Your PIA, from your SSA statement

Assumed annual COLA Set to 0% to view benefits in today's dollars
2.5%

Compare benefits through age Often set to life expectancy
90

Ages to compare

Filing age A

vs.

Filing age B

Monthly benefit — Age A

$0

Monthly benefit — Age B

$0

Break-even age

—

Total by comparison age

$0

Cumulative lifetime benefit

All filing ages, side by side

Filing age % of FRA benefit Monthly benefit Cumulative by 90

Note 1: This calculator applies your assumed cost-of-living adjustment to each year's benefit going forward. The Social Security Administration's own benefit estimate does not include future COLAs, so figures here will differ from your statement — set the COLA slider to 0% to compare on an equal basis.

Note 2: Full Retirement Age and the early/delayed adjustment factors used here follow current SSA rules. Your actual benefit will also reflect your specific earnings record, any spousal or survivor benefit interactions, and future legislative changes, none of which this tool models.

Note 3: This tool is for educational purposes only and does not constitute financial, tax, or legal advice. The break-even age is only one factor in deciding when to file — it does not account for taxes, health status, continued earnings, or the value of guaranteed income later in retirement.
Talk to a YTS advisor about your filing strategy

Important: Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.