What data and assumptions does it use?

U.S. Social Security Administration benefit reduction and delayed-retirement-credit rules (public domain).

Retirement calculator

Social Security Optimizer

We estimate your monthly Social Security benefit at different claiming ages by adjusting your full-retirement-age benefit (PIA) up or down using the Social Security Administration's published reduction and delayed-credit rules. For the full picture — a spouse, the survivor benefit, working while claiming, and lifetime totals — your advisor's Social Security Analyzer runs the complete month-by-month analysis.

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The method

How it works

01 Claiming before full retirement age (FRA) reduces the benefit; claiming after FRA (up to age 70) increases it with delayed-retirement credits.

02 We compute the benefit at each age from 62 to 70 and highlight the age that maximizes the monthly amount.

03 This is a single-person estimate in today's dollars; it does not model a spouse, survivor benefits, the earnings test or cost-of-living adjustments.

Early reduction: 5/9 of 1% per month for the first 36 months early, then 5/12 of 1% per month beyond. Delayed credit: 2/3 of 1% per month (8%/year) after FRA up to age 70. (Per SSA rules.)

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