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Lifetime Social Security Benefit Calculator

Cumulative benefit from claim age to expected lifespan.

Estimate the lifetime cumulative Social Security benefit from your monthly benefit at the claim age, your expected age of death, and an annual cost-of-living adjustment (COLA). Useful for evaluating early-vs-delayed claiming.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

If COLA = 0: total = monthly · 12 · years. Else: total = monthly · 12 · ((1+c)^years − 1) / c.

In depth

Estimate the lifetime cumulative Social Security benefit from your monthly benefit at the claim age, your expected age of death, and an annual cost-of-living adjustment (COLA). Useful for evaluating early-vs-delayed claiming.