Which best describes you?
This changes the optimization significantly. For couples, the higher earner's benefit becomes the survivor benefit when one spouse passes.
Married
Single
Divorced
May qualify for ex-spouse benefits
Widowed
Survivor benefits may apply
When were you planning to claim?
There's no wrong answer. This helps us show you exactly what each option is worth in your specific situation.
Age 62
Earliest possible
Age 65
With Medicare
Age 67
Full retirement age
Age 70
Maximum benefit
Not sure yet — help me decide
How would you describe your health?
Be candid. Life expectancy drives the claiming decision more than almost anything else.
Your health
Your sex (for life-expectancy tables)
Male
Female
Your health
Excellent
Strong family history, no major conditions
Good
Managed conditions, average history
Fair / Poor
Significant conditions or short family history
Spouse's health
Spouse's sex
Male
Female
Spouse's health
Excellent
Strong family history, no major conditions
Good
Managed conditions, average history
Fair / Poor
Significant conditions or short history
Your ages, benefits, and retirement timing.
Enter your monthly benefit at your full retirement age. Find this on your SSA.gov statement under "my Social Security."
yrs
$
/mo
Your own monthly benefit only — not the household total. From your SSA.gov statement.
yrs
$
/mo
Their own benefit. Leave blank if unknown or they never worked — we'll estimate a spousal benefit from yours.
$/mo
Roughly what they'd get at their full retirement age. Don't know it? Leave it blank — we'll show your own-benefit analysis and cover the ex-spousal piece with you on a call.
Yes
No
A benefit on an ex's record requires a marriage of 10 years or more.
Living
Deceased
If deceased, you may qualify for a survivor benefit instead, which can be larger.
Yes
No
A divorced-spouse benefit is payable only once your ex is 62.
Yes
No
After two years you can claim on their record even if they have not filed.
$/mo
The amount of their monthly Social Security check (what they received, or would have at full retirement age). Don't know it? Leave it blank — we'll show your own-benefit analysis and cover the survivor piece with you on a call.
yrs
yrs
$/yr
Leave blank or 0 if you will stop working before you claim. Wages above the SSA limit can withhold benefits until full retirement age.
$/yr
$/mo
Your accounts and income sources.
Last one. These are the account balances and income sources behind your bridge and Roth analysis — round numbers from a recent statement are perfect.
Portfolio balances
$
$
$
$
Other monthly income (rentals, part-time, annuities)
$/mo
yrs
$/mo
yrs
Pension (monthly)
$/mo
yrs
$/mo
yrs
Where should we send your analysis?
Enter your name and email and we'll build your Social Security plan and email you a copy.