Social Security claiming age
You enter a full-retirement-age monthly benefit from your SSA statement. This page applies published SSA percents for FRA 67 (born 1960+): 70% at 62, 100% at 67, 124% at 70. It does not invent a PIA.
SSA early retirement: 5/9 of 1% per month for the first 36 months, then 5/12 of 1% per additional month. Delayed retirement credits: 2/3 of 1% per month after FRA (8% per year) through age 70. Model is FRA 67 (born 1960 or later). Estimates only — not SSA or financial advice. Confirm on ssa.gov. Spousal, survivor, earnings-test, COLA, and taxation of benefits are not modeled.