Step 2 of 15
Social Security Timing
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Compare claiming ages to see which strategy maximizes your lifetime benefits and after-tax spending.
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👤 Spouse Info
When your spouse plans to start claiming. 62 = earliest, 70 = max.
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Optimal Strategy
Click “Compare Strategies” to see when you should claim your benefits.
📖 Methodology & Guidance
Inputs: Your Primary Insurance Amount (PIA) from your SSA.gov statement and your planned claiming age.
Outputs: Shows your monthly benefit, total lifetime cumulative benefit based on life expectancy (age 90), and the breakeven age compared to claiming at 62.
How to use: Try changing the claim age from 62 to 70. Notice how the monthly benefit increases by up to 8% per year delayed, providing a much stronger guaranteed income floor in late retirement.