Answer a few questions in plain English. Get a personalized 3-scenario comparison — 62 vs your FRA vs 70 — with break-even analysis, tax strategy, and spousal coordination.
How each strategy accumulates over time, including 2.5% annual COLA adjustments.
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Year-by-year projection, Roth conversion calendar, spousal strategy, IRMAA impact, and state tax analysis — all in one shareable PDF.
✅ Year-by-year income projection
✅ Roth conversion window analysis
✅ State-by-state tax comparison
✅ Spousal & survivor strategy
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Common Questions
When should I take Social Security?
The optimal claiming age depends on your health, other income sources, marital status, and financial needs. Claiming at 62 gives the earliest but smallest benefit (up to 30% reduction). Waiting until 70 maximizes monthly income. The break-even age is typically 80–82.
How much more do I get at 70 vs 62?
Significantly more. Claiming at 62 reduces your benefit by up to 30%. Waiting until 70 adds 32% above your FRA benefit. On a $2,000/month FRA benefit, that's $2,640/month at 70 vs $1,400/month at 62 — a $15,000/year difference for life.
What is the SS earnings test?
If you claim before full retirement age and continue working, $1 is withheld for every $2 you earn above $22,320 (2026 limit). The withheld amount is credited back as a benefit increase at FRA. The earnings test disappears completely at full retirement age.
How do spousal Social Security benefits work?
A spouse can receive up to 50% of the higher-earning spouse's PIA. The higher earner delaying to 70 also maximizes the survivor benefit — the surviving spouse receives the higher earner's full benefit for life. This makes delay especially valuable for married couples.
Is Social Security taxable?
Up to 85% of benefits may be federally taxable, depending on your provisional income. Above $34,000 for single filers or $44,000 for married couples, 85% of SS benefits become taxable. This is the "tax torpedo." 37 states exempt SS from state income tax entirely.
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