You can start your Social Security retirement benefits as early as age 62, but the benefit amount you receive will be less than your full retirement benefit amount.
The chart below provides examples of the percentage of your full retirement benefit amount you and your spouse would receive from age 62 up to your full retirement age.
How Your Social Security Benefit Is Reduced
| If you start getting benefits at age * | And you are the: Wage Earner, the benefit amount you will receive is reduced to | And you are the: Spouse, the benefit amount you will receive is reduced to |
|---|---|---|
| 62 | 73.3% | 34.2% |
| 62 + 1 month | 73.8 | 34.4 |
| 62 + 2 months | 74.2 | 34.6 |
| 62 + 3 months | 74.6 | 34.8 |
| 62 + 4 months | 75.0 | 35.0 |
| 62 + 5 months | 75.4 | 35.2 |
| 62 + 6 months | 75.8 | 35.4 |
| 62 + 7 months | 76.3 | 35.6 |
| 62 + 8 months | 76.7 | 35.8 |
| 62 + 9 months | 77.1 | 36.0 |
| 62 + 10 months | 77.5 | 36.3 |
| 62 + 11 months | 77.9 | 36.5 |
| 63 | 78.3 | 36.7 |
| 63 + 1 month | 78.8 | 36.9 |
| 63 + 2 months | 79.2 | 37.1 |
| 63 + 3 months | 79.6 | 37.3 |
| 63 + 4 months | 80.0 | 37.5 |
| 63 + 5 months | 80.6 | 37.8 |
| 63 + 6 months | 81.1 | 38.2 |
| 63 + 7 months | 81.7 | 38.5 |
| 63 + 8 months | 82.2 | 38.9 |
| 63 + 9 months | 82.8 | 39.2 |
| 63 + 10 months | 83.3 | 39.6 |
| 63 + 11 months | 83.9 | 39.9 |
| 64 | 84.4 | 40.3 |
| 64 + 1 month | 85.0 | 40.6 |
| 64 + 2 months | 85.6 | 41.0 |
| 64 + 3 months | 86.1 | 41.3 |
| 64 + 4 months | 86.7 | 41.7 |
| 64 + 5 months | 87.2 | 42.0 |
| 64 + 6 months | 87.8 | 42.4 |
| 64 + 7 months | 88.3 | 42.7 |
| 64 + 8 months | 88.9 | 43.1 |
| 64 + 9 months | 89.4 | 43.4 |
| 64 + 10 months | 90.0 | 43.8 |
| 64 + 11 months | 90.6 | 44.1 |
| 65 | 91.1 | 44.4 |
| 65 + 1 month | 91.7 | 44.8 |
| 65 + 2 months | 92.2 | 45.1 |
| 65 + 3 months | 92.8 | 45.5 |
| 65 + 4 months | 93.3 | 45.8 |
| 65 + 5 months | 93.9 | 46.2 |
| 65 + 6 months | 94.4 | 46.5 |
| 65 + 7 months | 95.0 | 46.9 |
| 65 + 8 months | 95.6 | 47.2 |
| 65 + 9 months | 96.1 | 47.6 |
| 65 + 10 months | 96.7 | 47.9 |
| 65 + 11 months | 97.2 | 48.3 |
| 66 | 97.8 | 48.6 |
| 66 + 1 month | 98.3 | 49.0 |
| 66 + 2 months | 98.9 | 49.3 |
| 66 + 3 months | 99.4 | 49.7 |
| 66 + 4 months | 100.0 | 50.0 |
| * If your birthday is on the 1st of the month, we figure your benefit as if your birthday were in the previous month. | ||