Social Security Claiming Lab
Compare what you would receive at age 62, your full retirement age (FRA), and age 70. See the breakeven age, your lifetime benefit total, and how much portfolio bridge you may need before benefits begin.
What this tool does: applies SSA actuarial reduction and delayed-credit factors to your Primary Insurance Amount (PIA) for each claim age, computes lifetime cumulative benefit through your assumed longevity, calculates pairwise breakeven ages, and estimates portfolio bridge cost from retirement to the claim start.
Bring each spouse’s PIA from ssa.gov/myaccount.
Scope: single-filer + couples (beta)
Joint claim strategy with survivor pickup is now modeled — when the first spouse dies, the survivor inherits the larger of the two monthly benefits. Spousal benefits (lower earner claiming on the higher earner’s record) and divorced-spouse rules remain out of scope; bring those scenarios to your CPA or fee-only CFP.
Your claiming inputs
Enter the basics to compare claim ages. Your PIA is on your SSA statement.