Find Your Ideal Age to Claim Social Security
There's no universal best age to claim. We model your health, family, work plans, and preferences to find the age that's right for you — not the average household.
Built Around Your Life — Not a Spreadsheet
Every household is different. Our engine factors in your unique situation and what matters most to you.
Your Family, Your Coordination
Spousal, survivor, and child benefits modeled for your household — not a generic couple.
Your Health, Your Longevity
We test your strategy across multiple life-expectancy paths so you're not betting on the average.
Your Work, Your Money
Earnings history, other savings, retirement timing, and tax exposure all shape your ideal claiming age.
Your Risk, Your Regret
Some prefer guaranteed income early. Others want maximum lifetime value. We surface the trade-off so you decide with clarity.
Make the Right Decision for You and Your Loved Ones
Your ideal age depends on dozens of variables. We model all of them — then show you the trade-offs in plain English.
See It in Action — Robert & Linda
Interactive Model — Adjust the controls to see the impact
Cumulative Payout
- Both @ 62
- Robert 62 / Linda 70
- Robert 70 / Linda 62
- Both @ 70
Yearly Payout: Both @ 70
Why We Built This
One family's claiming decision turned out very differently than they expected — not because they made a "wrong" choice, but because no one had modeled their full picture. We built 62or70 so every household can see theirs.
"This tool helped us identify a claiming strategy that increased our lifetime benefits by over $150,000. The family optimization feature was a game-changer."
"It walked through our situation — kids, my husband's pension, my health history. The recommendation finally made sense for us."
"We didn't want the 'average' answer. Seeing how longevity, regret, and our savings all moved the ideal age gave us real confidence in our decision."
Don't File Without This Plan
Ready to Optimize Your Family's Benefits?
Start modeling your claiming strategy in minutes.