when to take social security retirement

[rb4813]

We are often seeing recommendations to delay taking retirement payouts as long as possible, to allow for the rate to increase.  However, if one takes the distribution at an earlier age and lesser amount, and saves this money at 4% interest, this would have some benefit on final calculations.  If one takes earlier distribution with this scenario, say age 64 vs 67, how long would it take to "break even?  Is there any easy formula to calculate this?