SS Projection

[texdav]

At 61 your estimate will be very close to what your likely to get. As to when to take it depends on when you need it. I have seen my answers as to make up of what you loss not taking it at 62 and instead at 70 as to break even point. Most common is 20 years. Commonly you take it later date and get more but likely hood varies as to total before you die.

[biscuitmom]

Originally Posted by texdav

At 61 your estimate will be very close to what your likely to get.

It might be if you plan to file for benefits at age 62.
Otherwise not.

I'm 66 and still have the SS statement I rec'd at age 62. It was wildly off base and inflated.
That was because I didn't plan to and haven't yet filed for benefits.

When I go to the SS.gov site, use their calculator, and plug in ~$0~ for the years between age 62 and when I actually plan to file for benefits, it is consistent and seems to be accurate.