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A new online calculator developed by the federal Consumer Financial Protection Bureau helps consumers determine the best time to start receiving retirement benefits, and what those benefits will be.

To use the calculator, a consumer merely types in his or her birthday, and maximum yearly salary received during his or her work career, and the calculator does the rest.

See http://www.consumerfinance.gov/blog/before-you-claim-social-security-explore-our-new-planning-for-retirement-tool/