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. Where available, the calculation is performed by the pmSSAnalyzer engine; otherwise a transparent local estimate is used.

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Every visitor who runs the Social Security Optimizer can be identified — a verified email at minimum, often a full name and postal address — and added to your prospects in ProspectMatch. No form fill required.

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 The result labels whether it came from the pmSSAnalyzer engine or the local estimate.

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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