Social Security Maximizer
Compare more than 700 claiming strategies to find the one that delivers the highest projected lifetime benefits.
- Retirement, spousal, and survivor benefits
- Early and delayed claiming adjustments
- Earnings test and deeming rules
- Apply the optimal strategy with one click
Compare Claiming Strategies
See how your current claiming strategy compares with the maximized strategy throughout retirement.
- Compare annual benefits side by side
- See the difference year by year
Find Your Breakeven Year
See when the higher monthly benefits from delaying Social Security outweigh the benefits of claiming earlier.
- Identify when delaying benefits catches up and pulls ahead
- Compare cumulative lifetime benefits
Explore More Features
Cash Flow
See where each year's money comes from and where it goes.
Tax Planning
Roth conversions, withdrawal order, and every tax in every year.
Stress Testing
Run your plan through 1,000 simulated retirements.
Risk Radar
Rates the common risks in your plan Low, Moderate, or High.
Healthcare
Medicare premiums, IRMAA, HSAs, and long-term care.
What-If Explorer
Test a change next to your current plan.
Empower yourself to achieve financial well-being.
Build a detailed, year-by-year retirement plan in about 30 minutes. Free, and no signup required.