Social Security Estimate

Social Security is one of the biggest retirement decisions you'll make — and for couples, the timing of two claims can be worth hundreds of thousands of dollars over a lifetime. Social Security Optimizer shows you the smartest way to claim.

Enter the estimate from your SSA.gov statement once, then see your benefits across every claiming age — and let the couples optimizer find the combination that maximizes what you keep over both lifetimes.

WHAT YOU CAN DO
• Claiming Age Explorer — your monthly benefit at every age from 62 to 70.
• Break-Even — compare claiming early vs. waiting and see your crossover age.
• Couples Optimizer — searches every combination of claim ages for both spouses to maximize lifetime household benefits, including the survivor years.
• Spousal & Survivor — model the up-to-50% spousal benefit and up-to-100% survivor benefit.
• Taxes & Medicare — see how much of your benefit is taxable, plus the earnings test and Medicare IRMAA.

WHY COUPLES
Free calculators stop at single break-even math. The winning move — the lower earner claims earlier while the higher earner delays to lift the survivor benefit — only appears when you model two lifespans together. That's what this app does.

PRIVATE BY DESIGN
Everything stays on your device. No account, no tracking, no data collection.

IMPORTANT
Educational estimates only — not financial, tax, or legal advice, and not a guarantee of benefits. Actual benefits are determined by the Social Security Administration. Not affiliated with or endorsed by the SSA. Figures reflect 2025 rules and the numbers you enter.