How it works
Three steps
- You answer a few questions. You can type, or tap the buttons.
- A calculator works out your monthly amounts. It follows Social Security's own rules. The numbers come only from the calculator.
- You see a free result: amounts at 62, at your full retirement age and at 70, break-even ages, and a range of ages that may suit you.
The calculator
The calculator is plain math, not a guess. It uses the rules for 2026, and every number in it points to a page on ssa.gov. Starting early lowers your check. Each month you start before full retirement age cuts it, and each month you wait after it adds 2/3 of 1% until 70. We round down to the whole dollar, as Social Security does.
See the rules at Full retirement age and reduction by claiming age (opens in a new tab), Delayed retirement credits (opens in a new tab) and Early or late retirement calculator (opens in a new tab).
The helper
A friendly assistant may help with the conversation and explain your result in plain words. It never does the math. It cannot show a benefit number that the calculator did not give. It only links to ssa.gov pages on our approved list. If the assistant is not available, the same questions run with buttons and a simple form, and you get the same answer.
What we do not do
- We never ask for your Social Security number, your bank details or your passwords.
- We do not take file uploads.
- We do not give investment, insurance, tax or legal advice.
- We do not file anything for you. You apply with Social Security.
- We do not promise one best age. We show a range and the trade-offs.
Your numbers
The best numbers come from your Social Security statement. If you do not have it, we can make a rough estimate. An estimate can be off by about 15%. Get your statement at my Social Security account (your statement) (opens in a new tab).