About You

First Name:



Last Name:




Email:


Date of Birth:


Gender:


Male Female

Marital Status:


In order to qualify for spousal benefits as a divorcee you must have been married for at least 10 years and you still must be single. If true. set martial status to "Divorced." In order to qualify for survivor's benefits as a divorcee you must have been married for at least 10 years and you must still be single or remarried after 60. If true and your ex-spouse is deceased set marital status to "Widowed." If neither of these apply set the marital status to "Single."

Full Retirement Age Benefit Amount:


Access your estimated benefits
amount at the My Social Security site

Your full retirement age monthly benefit is used to estimate your benefits for this analysis.

Age You Plan to Stop Working:


If you file for benefits before your full retirement age (FRA) and you are still working, some or all of your benefits may be withheld because of the Earnings Test. Entering an age here will eliminate those years before FRA from consideration in the optimization.

Monthly Government Pension:

Earnings not covered by Social Security

If you worked for an employer who did not withhold Social Security taxes from your salary and you receive a pension based on that work, you may subject to the Windfall Elimination Provision (WEP) or the Government Pension Offset (GPO). If so, enter your monthly pension here to see how your Social Security benefit is affected.

Expected Age at Death:


Longevity calculator to calculate a more accurate life expectancy

We have used acturial life expectancy plus 4 years for men and plus 6 years for women as the default for this field.

About Your Spouse

Spouse's name:


Your spouse's first name is used to label the filing strategy that is unique to your spouse.

Spouse's Date of Birth:


Spouse's Gender:


Male Female

Spouse's Full Retirement Age Benefit Amount:


Your spouse's full retirement age monthly benefit is used to estimate their benefits for this analysis.

Age Spouse Plans
to Stop Working:


If your spouse files for benefits before their full retirement age (FRA) and they are still working, some or all of their benefits may be withheld because of the Earnings Test. Entering an age here will eliminate those years before FRA from consideration in the optimization.

Spouse's Monthly
Government Pension:


If your spouse worked for an employer who did not withhold Social Security taxes from their salary and they receive a pension based on that work, they may be subject to the Windfall Elimination Provision (WEP) or the Government Pension Offset (GPO). If so, enter their monthly pension here to see how their Social Security benefit is affected.

Spouse's Expected Age at Death:


Longevity calculator to calculate a more accurate life expectancy

We have used acturial life expectancy plus 4 years for men and plus 6 years for women as the default for this field.

COLA and Discount Rates

Cost of Living Adjustment (%):


Cost of living adjustment/inflation (0 or greater)

The cost of living adjustment represents an estimate in inflation. The Estimator defaults to 2.73% - the average Social Security COLA for the last 25 years.

Discount Rate (%):


Expected rate of return (0 or greater)

The discount rate is the return you would demand if you had a choice and chose to take Social Security as a monthly benefit rather than as a lump sum. Because we believe that Social Security is low risk, the default is 5% - a value widely accepted in the industry.

By clicking below, you are acknowledging that (1) This analyzer is a tool, which calculates results using information you've entered. The validity of the data entered is not verified or audited. Results are merely an estimate and are not intended to, and should not, form a primary basis for any decision that you may make regarding Social Security. (2) Results are calculated using a third-party provider and as such, CIA is not liable for any inaccuracies.

NOTE: The "COLA" and "Discount Rate" fields have been initialized to historically reasonable values. Once you enter a birthdate, "Age You Plan to Stop Working" will be initialized to "60", "Monthly Government Pension" will be initialized to zero and "Expected Age at Death" will be initialized to your actuarial life expectancy plus 4 (men) or 6 (women). If you need to change any of these values you may do so. All other fields must be provided.