Planning Tool · Social Security

Social Security
Benefits Analyzer

Compare illustrative Social Security claiming scenarios based on your inputs. Model spousal benefits, survivor benefits, and divorced-spouse benefits. Compare lifetime benefit totals across every claiming scenario from age 62 to 70.

HOW TO USE THIS TOOL

01

Enter your birth year, sex, and self-assessed health status.

02

Select your marital status and enter your estimated monthly benefit from SSA.gov.

03

Add spouse or ex-spouse details if applicable.

04

The analyzer shows breakeven ages, lifetime totals, and illustrative claiming scenarios based on your inputs.

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Social Security Benefits Analysis

Educational tool only. Results are hypothetical estimates based on your inputs and general assumptions. They are not personalized investment, tax, legal, or Social Security advice and do not create an advisory relationship. Actual results may differ materially. This tool is not affiliated with the Social Security Administration and does not provide legal, tax, or benefits advice.

Personal Details

Basic info to determine your Full Retirement Age and life expectancy.

Used to calculate your Full Retirement Age (FRA).
Used to estimate baseline life expectancy.
Adjusts life expectancy estimate (+5 excellent, +2 good, −5 poor).

Marital & Family Status

Determines eligibility for spousal, survivor, or ex-spousal benefits.

From their SSA Statement at their FRA (max $5,000).
Have your spouse log in at ssa.gov to get their Statement.
The monthly benefit your deceased spouse would have received at their FRA.
If known. Your ex-spousal benefit can be up to 50% of their FRA amount.

Benefit Information

Your own Social Security record and any pension offsets.

The monthly amount shown at your Full Retirement Age on your SSA Statement (max $5,000).
Log in at ssa.gov to get your Statement.
If you receive a pension from employment not covered by Social Security.

Income, Tax & Assumptions

Fine-tune projections with your income, tax, and growth assumptions.

Earnings, investments, 401(k)/IRA withdrawals, etc.
SSA's annual earnings limit for pre-FRA claimants. Updated each year by SSA — check current limit.
Your estimated marginal federal income tax rate. Common brackets: 10%, 12%, 22%, 24%, 32%.
Adjust your projection (70–115). Health adjustment applied automatically.
80
Expected portfolio growth rate (0–10%) for future value calculations.
6.0%

Claiming Age Comparison

Cumulative Benefits Over Time

Key Insights

    Assumptions & Notes