01
All claiming scenarios
Ages 62 through 70 modeled with the actual delayed retirement credits and early-claim reductions.
Social Security Claiming Optimizer 2026
Claim Social Security now, or wait?
Compare claiming at 62, at Full Retirement Age, and delaying to 70. See the age at which delaying pays for itself, both in today's dollars and in nominal amounts.
What you get
Social Security Claiming Optimizer 2026
02
Break-even calculation
The age at which delaying has paid for itself. Calculated in today's dollars (discounted) and in nominal amounts.
03
Both perspectives
Every comparison shows present value and nominal side by side, so you can pick the perspective that fits your situation.
Detail
How the tool is built
Comparison
Cumulative benefit curve per claiming age
One line per delay year. You see where the curves cross, and when a delay has paid for itself.
Present value
Both discounted and nominal
Choose the perspective that fits. Nominal numbers are easier to grasp, present value is economically correct.
Life expectancy
Test the outcome against your own longevity
Adjust expected life expectancy directly in the Assumptions tab. The result updates instantly.
Sources
Sources and assumptions
Show sources and assumptions
Social Security Administration benefit tables. SSA period life tables for life-expectancy assumptions. All sources linked in the spreadsheet.
Pricing
Three ways to get access
Pick the format that fits. Every option is covered by a 14-day money-back guarantee.
Excel
A single tool
$39 per tool
- Excel + Google Sheets
- Yours forever
- Yearly tax updates included
- 14-day money-back guarantee
Monthly
All 6 tools
$9 per month
- Web app + Excel export
- Continuous updates
- Priority email support
- Cancel anytime
Lifetime
All 6 tools, no renewal
$299 $149 one-time
For the first 100 buyers. After that, $299.
- All 6 tools, no renewal
- Web app + Excel export, permanent access
- Direct email to the founder
- One-time payment
- Break-even after 20 months vs monthly
FAQ
Frequently asked questions
Do I have to write formulas?
No, you fill in marked cells and everything calculates automatically.
What information do I need to have ready?
See the full list on the product page before buying. The basics: age, retirement account balances, expected spending.
Does it work on Mac and Windows?
Yes, plus Google Sheets. We send both versions after purchase.
Where is my data stored?
The Excel version stays on your own computer. We never see your numbers.
Is this financial advice?
No. It is a planning tool. Always consult a licensed advisor before major decisions.
Refunds?
14-day money-back guarantee, no questions asked.