Calculate your estimated Social Security benefits and find your optimal claiming strategy.
Choose the type of analysis that fits your situation.
Calculate benefits for one person
Optimize strategies for both spouses
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Drag & drop your SSA Statement PDF here
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SSA uses your highest 35 years of earnings to calculate benefits.
The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) may reduce your benefits.
30+ years = no WEP reduction
Enter the Primary Insurance Amount (PIA) for each person, or use the calculator to estimate it.
Affects optimal claiming age recommendation
Confirm your information below, then calculate your benefits.
Strategies ranked by expected lifetime benefits considering both spouses' life expectancies.
| Rank | P1 Age | P2 Age | P1 w/Spousal | P2 w/Spousal | Household | Expected Lifetime |
|---|
Average Indexed Monthly Earnings
Primary Insurance Amount
Full Retirement Age
At age 70
Your monthly benefit depends on when you start claiming. Claiming early reduces benefits, while waiting increases them.
Visualize how your monthly benefit changes based on when you claim.
Based on your life expectancy of 85 years, here are the best claiming strategies ranked by total lifetime benefits.
| Rank | Claiming Age | Monthly Benefit | Annual Benefit | Break-even vs 62 |
|---|
Compare total benefits received over time for different claiming ages.
Drag the slider to see how your monthly benefit changes with different claiming ages.
See when delayed claiming catches up to early claiming. The crossover points show when waiting pays off.
Save your benefit analysis as a PDF for future reference.