Claiming Age 67 · 2026 Rules

Claiming Social Security at 67 in 2026

67 is full retirement age for anyone born in 1960 or later — you collect exactly 100% of your PIA with no earnings test. A $60,000/yr career earner gets about $2,345/mo.

Your Details

Birth Year

Full retirement age: 67 years

Career Avg Yearly ($)

Years Worked (max 35)

Claim At Age

Still working when I claim

Triggers the earnings test check

Filing Status

Other Income ($/yr)

Your Monthly Check at Age 67

$2,345

$28,140/year · exactly your full PIA

PIA at FRA

$2,345/mo

Break-even vs FRA

—

How We Got Your PIA

Estimated AIME (average indexed monthly earnings): $5,000 — capped at $184,500 taxable, padded to 35 years.

90% of first $1,286$1,157

32% of $1,286–$7,749$1,188

15% above $7,749$0

= PIA at FRA$2,345/mo

Your Check at Every Claiming Age

Age	Monthly	Annual	vs FRA
62	$1,641	$19,692	-30%
63	$1,758	$21,096	-25%
64	$1,876	$22,512	-20%
65	$2,032	$24,384	-13.3%
66	$2,188	$26,256	-6.7%
67	$2,345	$28,140	0%
68	$2,532	$30,384	+8%
69	$2,720	$32,640	+16%
70	$2,907	$34,884	+24%

Notes: 2026 figures. Up to 85% of benefits can be federally taxed (thresholds $25k/$32k provisional income — never indexed). Medicare Part B ($202.90/mo standard) is usually deducted from your check. Estimates, not tax advice.

What Age 67 Pays in 2026 (Examples)

Career-average earnings, 35-year record, FRA 67 cohort. Adjust everything in the calculator above.

Career Avg Salary	PIA at FRA	Monthly at 67	Annual at 67	vs FRA
$40,000/yr	$1,812	$1,812	$21,744	0%
$60,000/yr	$2,345	$2,345	$28,140	0%
$100,000/yr	$3,313	$3,313	$39,756	0%

Should You Claim at 67? Pros & Cons

Why 67 works

Full retirement age for anyone born in 1960 or later: 100% of your PIA, no earnings test no matter how much you work, and the baseline every comparison uses.

The trade-off

You gave up 5 years of checks versus claiming at 62 — the "wait" strategy only wins if you live past the break-even age (about 78–79 for a 62-vs-67 comparison).

Claiming Social Security: Which Age Is Right?

Every age from 62 to 70 has its own page with 2026 numbers, break-even math, and pros & cons.

Age 62 Age 63 Age 64 Age 65 Age 66 Age 67 Age 68 Age 69 Age 70

Frequently Asked Questions

How much do I lose by claiming Social Security at 67?

Nothing: 67 is full retirement age for anyone born in 1960 or later, so you collect exactly 100% of your PIA.

What is the break-even age for claiming at 67?

At your full retirement age there is no reduction to break even against — every later age simply adds 8% per year.

Can I still work and claim at 67?

Yes — once you reach full retirement age there is no earnings test at all. You can earn any amount and collect every dollar of your benefit.

Does claiming at 67 affect my spouse or survivor benefit?

Your higher benefit at 67 is exactly what a surviving spouse inherits — waiting is the single most valuable survivor move a married household can make. Delayed credits stop at 70, so there is no reason to wait past that.

Available on Google Play

Want the complete paycheck picture?

The SSA Benefit Calculator app adds bonus and overtime estimates, local taxes, job comparisons, saved calculations, PDF export, sharing, and detailed deductions.

Download on Google Play