Planning Tool · Social Security

Social Security
Benefits Analyzer

Find your optimal Social Security claiming age. Model spousal benefits, survivor benefits, and divorced-spouse benefits. Compare lifetime benefit totals across every claiming scenario from age 62 to 70.

HOW TO USE THIS TOOL

01

Enter your birth year, sex, and self-assessed health status.

02

Select your marital status and enter your estimated monthly benefit from SSA.gov.

03

Add spouse or ex-spouse details if applicable.

04

The analyzer shows breakeven ages, lifetime totals, and the optimal claiming strategy for your situation.

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Social Security Benefits Analysis

Personal Details

Basic info to determine your Full Retirement Age and life expectancy.

Used to calculate your Full Retirement Age (FRA).
Used to estimate baseline life expectancy.
Adjusts life expectancy estimate (+5 excellent, +2 good, −5 poor).

Marital & Family Status

Determines eligibility for spousal, survivor, or ex-spousal benefits.

From their SSA Statement at their FRA (max $5,000).
Have your spouse log in at ssa.gov to get their Statement.
The monthly benefit your deceased spouse would have received at their FRA.
If known. Your ex-spousal benefit can be up to 50% of their FRA amount.

Benefit Information

Your own Social Security record and any pension offsets.

The monthly amount shown at your Full Retirement Age on your SSA Statement (max $5,000).
Log in at ssa.gov to get your Statement.
If you receive a pension from employment not covered by Social Security.

Income, Tax & Assumptions

Fine-tune projections with your income, tax, and growth assumptions.

Earnings, investments, 401(k)/IRA withdrawals, etc.
SSA's annual earnings limit for pre-FRA claimants. Updated each year by SSA — check current limit.
Your estimated marginal federal income tax rate. Common brackets: 10%, 12%, 22%, 24%, 32%.
Adjust your projection (70–115). Health adjustment applied automatically.
80
Expected portfolio growth rate (0–10%) for future value calculations.
6.0%

Claiming Age Comparison

Cumulative Benefits Over Time

Key Insights

    Assumptions & Notes