Planning Ahead at Age 58
At 58, you're 4 years away from the earliest you can claim Social Security at 62. Here's what you should be doing now to maximize your benefits.
Steps to Take at Age 58
- Check your earnings record at ssa.gov/myaccount. Fix any errors now before you claim.
- Estimate your benefit using the calculator above. Know what to expect.
- Maximize your AIME: If you have fewer than 35 working years, each additional year of earnings replaces a zero-year in the calculation.
- Consider catch-up contributions to your 401(k) or IRA. At your age, you can contribute extra.
- Plan your claiming strategy with your spouse if married. Coordinating when each of you claims can add tens of thousands in lifetime benefits.
- Review your tax strategy: Consider Roth conversions before claiming to reduce future taxation of benefits.
Calculate Your Exact Benefit at Age 58
Use our free Social Security calculator to see your estimated monthly and lifetime benefits.
Calculate My Benefits