If you want to do your own calculations, you can check your estimated benefit at different ages with your Social Security Administration account.

You can claim Social Security starting at 62, but you don't qualify for your full benefit until you reach your full retirement age (FRA). This is 67 if you were born in 1960 or later. Some older adults have FRAs as young as 66.

Those who retire at age 62 can receive up to $2,831 per month. Waiting until full retirement age (67) increases the maximum benefit to $4,018. For those who delay claiming until age 70, the monthly benefit rises to a maximum of $5,108.