I did that calculation once.
I included the income that could be earned on money received starting at 62 at a modest 2.5%.
My break even age was 78 and some months.
A bird in hand, etc. Start taking benefits ASAP.
Playing with That,,,
I’m 63,64 in January.
I am 58 and retiring in February.
Got a decent pension and almost no expenses. When the misses get to be 62, we’ll start taking hers, and when I do, we’ll probably start taking mine (depending...if we can wait longer, we will).
I want my money ASAP. Not waiting until 66-67 for just a few dollars more.