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Markets · Investing · Business
Finance
Here's the Average Social Security Benefit at Age 70
Age 70 marks the point where Social Security growth stops -- but the financial incentive to wait may surprise you.
The average benefit for people aged 70 is $2,274.68 per month as of December 2025, according to the Social Security Administration (SSA). Age 70 is the finish line for Social Security growth because credits stop accruing once you reach your 70th birthday. While you're free to wait longer to claim, there's no financial incentive to doing so.
Waiting past full retirement age (FRA) lets you earn delayed retirement credits. If your FRA is 67, these credits add 8% to your benefit for every year you delay. This mechanic allows patient claimants to max out delayed retirement credits once they reach age 70.
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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Data may be delayed up to 15 minutes. Past performance is not indicative of future results. Consult a licensed financial advisor before making investment decisions.
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